Federal credit union · ST JOE, Indiana · NCUA charter #23287
Vulcraft Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $6.1M
- Total assets
- 735
- Members
- 13.1%
- Net-worth ratio
Vulcraft Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23287 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Vulcraft Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)73
- Earnings (ROA)66
- Member growth55
- Liquidity (loan-to-share)77
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.15% | 30% |
| Delinquency Rate | 1.23% | 25% |
| Return on Assets | 0.16% | 15% |
| Member Growth | -0.41% | 15% |
| Loan-to-Share Ratio | 97.80% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.1M | 735 |
| 2024Q4 | $5.9M | 738 |
| 2023Q4 | $6.1M | 645 |
Credit Union Details
- Charter Number
- 23287
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Indiana
- City
- ST JOE
- Data Quarter
- 2025Q4
What This Data Says About Vulcraft Employees
The five-factor composite scores Vulcraft Employees at 78/100 (Very Good), reflecting a net worth ratio of 13.15% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in ST JOE, Indiana, reports 735 members, $6.1M in total assets, and $5.1M in outstanding loans as of Q4 2025 under charter #23287 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
On loan book quality: 1.23% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 97.80% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.16% on net income of $10K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.41%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Vulcraft Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Vulcraft Employees carries a financial health score of 78/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.15% net worth ratio and a 1.23% delinquency rate.
How does Vulcraft Employees compare to other credit unions?
PlainCU's health composite puts Vulcraft Employees at 78/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Vulcraft Employees?
Vulcraft Employees 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 Vulcraft Employees directly for the exact boundaries and application steps.
Is my money safe at Vulcraft Employees?
Federal credit unions like Vulcraft Employees 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. Vulcraft Employees's net worth ratio of 13.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vulcraft Employees offer compared to banks?
Credit unions like Vulcraft Employees 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 Vulcraft Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.