TellerScore

Financial Builders Federal Credit Union (NCUA charter #16213) is based in Kokomo, Indiana. Its Q2 2026 call report shows $151.5M in total assets and $131.3M in member shares and deposits and 1 office.

Financial Builders Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 55th. Problem-loan coverage contributes the most (91/100, 4.4%); earnings contributes the least (58/100, 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.48%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity89/100
Loans ÷ shares: 71.3% · 1.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 8 points (67 → 75), mostly because the earnings component improved by 15 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202466
Q1 202569
Q2 202567
Q3 202568
Q4 202568
Q1 202675
Q2 202675
Net worth ratio
7.00%9.75%12.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.23%
Q3 202412.51%
Q4 202411.97%
Q1 202511.52%
Q2 202511.98%
Q3 202512.11%
Q4 202512.17%
Q1 202612.02%
Q2 202612.48%
Delinquent loans (60+ days)
0.78%0.94%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.95%
Q3 20241.08%
Q4 20240.83%
Q1 20250.82%
Q2 20251.09%
Q3 20251.02%
Q4 20250.96%
Q1 20260.78%
Q2 20260.85%
Return on assets
0.23%0.67%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.78%
Q4 20240.23%
Q1 20250.59%
Q2 20250.59%
Q3 20250.53%
Q4 20250.39%
Q1 20261.11%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$151.5M12.48%0.85%0.96%71.3%
Q1 202675$154.9M12.02%0.78%1.11%69.9%
Q4 202568$149.4M12.17%0.96%0.39%73.4%
Q3 202568$150.5M12.11%1.02%0.53%74.0%
Q2 202567$150.8M11.98%1.09%0.59%73.5%
Q1 202569$154.9M11.52%0.82%0.59%70.2%
Q4 202466$147.2M11.97%0.83%0.23%76.4%
Q3 202470$145.1M12.51%1.08%0.78%79.1%
Q2 202471$146.7M12.23%0.95%0.88%79.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.48%
64th
Problem loans0.85%
39th
Net charge-offs0.27%
61st
Return on assets0.96%
64th
Loans to deposits71.3%
58th
Uninsured deposits1.7%
92nd
Loan-loss reserves0.00%
50th
Texas ratio4.4%
46th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Natco Credit UnionCredit union Richmond, IN80 out of 100, Strong$153.7M17.3%1.18%vs
Indiana State University Federal Credit UnionCredit union Terre Haute, IN81 out of 100, Strong$139.9M13.5%0.48%vs
Members Advantage Credit UnionCredit union Michigan City, IN60 out of 100, Moderate$132.2M9.5%1.23%vs
Allegius Federal Credit UnionCredit union Burns Harbor, IN69 out of 100, Moderate$176.9M14.2%1.63%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs
Regional Federal Credit UnionCredit union Winfield, IN68 out of 100, Moderate$180.1M13.6%1.07%vs

Deposit insurance

Is my money safe at Financial Builders Federal Credit Union?

Yes. Financial Builders Federal Credit Union is a federally insured credit union (NCUA charter #16213). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.7% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Financial Builders Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Financial Builders Federal Credit Union reported 95 home-loan applications under HMDA (LEI 549300TA2979XCT9L593): 95 originated ($6,665,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Financial Builders Federal Credit Union
Type
Federal credit union
NCUA charter #
16213
RSSD ID
702685
Primary regulator
NCUA
Established
1964
Headquarters
2828 S Lafountain St, Kokomo, IN 46902
Employees
26

Quick answers

Financial Builders Federal Credit Union: common questions

Is Financial Builders Federal Credit Union NCUA insured?

Yes. Financial Builders Federal Credit Union is a federally insured credit union (NCUA charter #16213). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Financial Builders Federal Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Financial Builders Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kokomo

InstitutionScoreAssetsCapitalProblem loansCompare
Solidarity Community Federal Credit UnionCredit union Kokomo, IN76 out of 100, Strong$351.1M12.4%0.47%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs
Horizon BankBank Michigan City, IN72 out of 100, Strong$6.5B10.5%0.70%vs
City of Firsts Community Federal Credit UnionCredit union Kokomo, IN71 out of 100, Strong$38.5M10.2%0.08%vs
Industrial Federal Credit UnionCredit union Lafayette, IN71 out of 100, Strong$356.1M9.2%0.41%vs
Community State BankBank Royal Center, IN70 out of 100, Strong$175.9M10.5%0.37%vs