Credit Union Safety Analysis
Is T H P Federal Credit Union Safe? Terre Haute, Indiana
Based on its Q2 2026 NCUA 5300 call report, T H P Federal Credit Union has a net worth ratio of 24.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.12%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, T H P Federal Credit Union's net worth ratio is 24.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 24.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.12%
- Return on assets (Q2 2026): -0.22%
- Loan-to-share ratio (Q2 2026): 90.88%
T H P Federal Credit Union (NCUA charter 4488, established 1941) reported $4.0M in assets and 883 members for Q2 2026 from Terre Haute, Indiana. It ranks 106 of 118 credit unions in Indiana by total assets. Total assets fell 3.9% from $4.2M on June 30, 2025. It has 28 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 0.91 percentage points from 23.12% on June 30, 2025. Used vehicle loans are its largest loan category, $1.6M of $2.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.12% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.39% for Q1 2026; 23.12% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.17% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.02% for Q1 2026; 0.43% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 90.57% for Q1 2026; 97.38% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.6M
- New vehicle loans: $994K
- Other unsecured loans and lines of credit: $147K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.0M | 24.03% | 0.12% | -0.22% | 90.88% |
| March 31, 2026 | $4.2M | 23.39% | 0.17% | -1.02% | 90.57% |
| December 31, 2025 | $4.1M | 24.26% | 0.05% | -0.07% | 90.67% |
| September 30, 2025 | $4.0M | 24.39% | — | 1.28% | 98.49% |
| June 30, 2025 | $4.2M | 23.12% | — | 0.43% | 97.38% |
| March 31, 2025 | $4.4M | 22.12% | — | -0.71% | 91.44% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
T H P Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4488) · FFIEC NIC profile (RSSD 202475)
Frequently asked questions
Is T H P Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, T H P Federal Credit Union's net worth ratio is 24.03%, above the 7% NCUA threshold for well capitalized.
Is T H P Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. T H P Federal Credit Union is a federally insured credit union (NCUA charter 4488): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are T H P Federal Credit Union's key safety ratios?
For Q2 2026, T H P Federal Credit Union reports net worth 24.03%, delinquency 0.12%, ROA -0.22%, loan-to-share 90.88%.
What happens to my money if T H P Federal Credit Union fails?
For Q2 2026, T H P Federal Credit Union held $3.1M in shares and deposits for 883 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.