Federal credit union · Terre Haute, Indiana · NCUA charter #138
Vigo County
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $43.4M
- Total assets
- 9,315
- Members
- 11.1%
- Net-worth ratio
Vigo County scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.4M; members 9,315; net-worth ratio 11.05%; health rank #2,990 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,990 of 4,374 health · 2025Q4Vigo County · health 78/100 · $43.4M · 2025Q4
- NW 78/100
- DELQ 11.1%
- ROA 2.55%
- ASSETS 0.58%
- MEM $43.4M
- RANK 9,315
- PHOTO #2,990/4,374
- BOOK MEMBERS
- CHARTER 138
Call Report peers
Vigo County in the assets neighbourhood
Vigo County's $43.4M assets sit next to MEMBERS ($43.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vigo County vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Vigo County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #138 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Vigo County vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 71.49% vs peer 59.80% (+11.69 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.81 pp (11.05% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Vigo County in Indiana
- In Indiana, health place is #83 of 124 on the same NCUA-ratio sort used nationally.
- By total assets, Vigo County is #72 of 124 in Indiana.
- Member book place in Indiana: #38 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Vigo County Call Report trajectory
Vigo County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $43.4M (2025Q4) to $45.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (11.14% → 11.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.1 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 15.4 pts
Vigo County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.05% | -3.81 pp |
| Delinquency Rate | 2.55% | +1.40 pp |
| Return on Assets | 0.58% | -0.13 pp |
| Member Growth | -0.29% | - |
| Loan-to-Share Ratio | 71.49% | +11.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.0M | - |
| 2025Q4 | $43.4M | 9,315 |
| 2024Q4 | $40.7M | 9,342 |
| 2023Q4 | $43.0M | 9,317 |
Credit Union Details
- Charter Number
- 138
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Terre Haute
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Vigo County runs one office.
| Office | City |
|---|---|
| Vigo County Federal Credit Union (Main Office) | Terre Haute, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for Vigo County
Vigo County's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Vigo County ranks #2,990 of 4,374 nationally on financial health and #83 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Energy Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Energy Plus
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Vigo County financially healthy?
A 11.05% net worth ratio and a 2.55% delinquency rate feed into Vigo County's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,990 of 4,374; by total assets it ranks #2,527 of 4,374 nationally (same basis as /rankings/largest); and #72 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Vigo County compare to other credit unions?
On PlainCU's health composite, Vigo County lands at 78/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Vigo County?
Vigo County operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Vigo County directly for the exact boundaries and application steps.
Is my money safe at Vigo County?
Federal credit unions like Vigo County are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Vigo County's net worth ratio of 11.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vigo County offer compared to banks?
Credit unions like Vigo County are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Vigo County directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.