Financial Center First Credit Union Indianapolis, Indiana
Financial Center First Credit Union is a state-chartered credit union headquartered in Indianapolis, IN, established in 1953 (NCUA charter 68658), and it is regulated and insured by the NCUA. At Q2 2026 it reported 56,404 members and total assets of $961.8M (up 4.5% from Q2 2025), the 16th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 11.13% at Q2 2026, in the well capitalized band.
Also written as Financial Center First CU · Trade names filed with the NCUA: Financial Center and Ball State Financial
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68658
- Headquarters
- Indianapolis, IN
- Established
- 1953
- Total assets, Q2 2026
- $961.8M
- Assets vs Q2 2025
- +4.5%
- Members, Q2 2026
- 56,404
- Net worth ratio, Q2 2026
- 11.13%
- Latest call report
- Q2 2026, NCUA 5300 · Financial Center First Credit Union call report
- Asset rank in state
- 16th of 118 in Indiana
- Routing number
- 274073876
- Branches
- 10
It has 3,905 fewer members than on June 30, 2025 (-6.5%). Its net worth ratio was down 0.45 percentage points from 11.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $338.4M of $675.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.77% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.13% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Indiana
Credit unions merged into Financial Center First Credit Union
Indianapolis Post Office Credit Union (2025) · Muncie Post Office Credit Union (2023) · Ball State Federal Credit Union (2020) · Kokomo Heritage Federal Credit Union (2019)
Frequently asked about Financial Center First Credit Union
How big is Financial Center First Credit Union?
At Q2 2026 it reported total assets of $961.8M and 56,404 members.
Where is Financial Center First Credit Union headquartered?
It is headquartered in Indianapolis, IN, United States.
When was Financial Center First Credit Union founded?
It was established in 1953, per NCUA records.
Is Financial Center First Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68658): 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 Financial Center First Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Financial Center First Credit Union well capitalized?
Its net worth ratio was 11.13% 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 Financial Center First Credit Union's delinquency ratio?
Its delinquency ratio was 0.77% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Financial Center First Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.61% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Indianapolis, IN 46226
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 68658
- RSSD ID
- 321282
- Members
- 56,404
- Potential members
- 2,470,812
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.13% | 11.43% | 45th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.39% | 0.81% | 23rd bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.54% | 7.02% | 23rd bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.72% | 3.70% | 51st above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.87% | 76.55% | 22nd bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.40% | 1.24% | 38th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.77% | 0.68% | 45th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.12% | 4.92% | 61st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 82.61% | 75.66% | 66th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$961.8M total assets against $920.6M; $817.0M total shares and deposits against $793.9M; $675.0M total loans against $553.7M.
$107.0M net worth against $106.9M.
11.13% net worth ratio against 11.58%.
82.61% loan-to-share ratio against 69.74%.
0.77% delinquency ratio against 1.10%.
0.39% return on assets against 0.06%; 3.54% return on equity against 0.54%.
3.72% net interest margin against 3.55%.
56,404 members against 60,309.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.13% | 0.39% | 0.77% | 82.61% |
| March 31, 2026 | 11.14% | 0.27% | 0.66% | 78.85% |
| December 31, 2025 | 11.07% | -0.09% | 1.28% | 79.31% |
| September 30, 2025 | 12.08% | 0.32% | 1.35% | 74.36% |
| June 30, 2025 | 11.58% | 0.06% | 1.10% | 69.74% |
| March 31, 2025 | 10.67% | 0.06% | 0.94% | 67.48% |
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.