Business and Industrial Federal Credit Union Columbus, Indiana
Business and Industrial Federal Credit Union is a federal credit union headquartered in Columbus, IN, established in 1960 (NCUA charter 13940), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,738 members and total assets of $44.9M (up 0.3% from Q2 2025), the 70th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 18.04% at Q2 2026, in the well capitalized band.
Also written as Business and Industrial FCU · Trade name filed with the NCUA: dba B & I Federal Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 13940
- Headquarters
- Columbus, IN
- Established
- 1960
- Total assets, Q2 2026
- $44.9M
- Assets vs Q2 2025
- +0.3%
- Members, Q2 2026
- 3,738
- Net worth ratio, Q2 2026
- 18.04%
- Latest call report
- Q2 2026, NCUA 5300 · Business and Industrial Federal Credit Union call report
- Asset rank in state
- 70th of 118 in Indiana
- Routing number
- 274972919
- Branches
- 2
It has 200 fewer members than on June 30, 2025 (-5.1%). Its net worth ratio was up 1.13 percentage points from 16.91% on June 30, 2025. Used vehicle loans are its largest loan category, $11.3M of $17.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.04% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Indiana
Frequently asked about Business and Industrial Federal Credit Union
How big is Business and Industrial Federal Credit Union?
At Q2 2026 it reported total assets of $44.9M and 3,738 members.
Where is Business and Industrial Federal Credit Union headquartered?
It is headquartered in Columbus, IN, United States.
When was Business and Industrial Federal Credit Union founded?
It was established in 1960, per NCUA records.
Is Business and Industrial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 13940): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Business and Industrial Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Business and Industrial Federal Credit Union well capitalized?
Its net worth ratio was 18.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Business and Industrial Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Business and Industrial Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 48.56% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Columbus, IN 47201
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1960
- NCUA Charter #
- 13940
- RSSD ID
- 323688
- Members
- 3,738
- Potential members
- 131,721
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.04% | 14.31% | 68th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.02% | 0.72% | 63rd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.65% | 4.74% | 56th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.67% | 3.93% | 40th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 76.53% | 79.83% | 57th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.16% | 0.78% | 89th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.24% | 0.86% | 82nd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.83% | 4.70% | 14th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 48.56% | 58.92% | 34th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$44.9M total assets against $44.7M; $36.7M total shares and deposits against $37.1M; $17.8M total loans against $15.9M.
$8.1M net worth against $7.6M.
18.04% net worth ratio against 16.91%.
48.56% loan-to-share ratio against 42.81%.
0.24% delinquency ratio against 0.72%.
1.02% return on assets against 1.50%; 5.65% return on equity against 8.88%.
3.67% net interest margin against 3.66%.
3,738 members against 3,938.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.04% | 1.02% | 0.24% | 48.56% |
| March 31, 2026 | 17.46% | 1.18% | 0.35% | 46.43% |
| December 31, 2025 | 17.56% | 1.21% | 0.11% | 46.85% |
| September 30, 2025 | 17.19% | 1.32% | 0.40% | 44.16% |
| June 30, 2025 | 16.91% | 1.50% | 0.72% | 42.81% |
| March 31, 2025 | 16.36% | 1.14% | 0.83% | 37.89% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.