TellerScore

First County Federal Credit Union (NCUA charter #14163) is based in Muncie, Indiana. Its Q2 2026 call report shows $35.0M in total assets and $31.3M in member shares and deposits and 1 office.

First County Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 88th. Funding & liquidity contributes the most (100/100, 43% loans-to-deposits, 2% uninsured); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.18%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 43.1% · 2.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.57%

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 10 points (55 → 65), mostly because the loan quality component improved by 37 points.

TellerScore
556167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202466
Q4 202463
Q1 202565
Q2 202555
Q3 202560
Q4 202566
Q1 202667
Q2 202665
Net worth ratio
7.00%8.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.88%
Q3 202410.18%
Q4 202410.21%
Q1 202510.02%
Q2 202510.06%
Q3 202510.42%
Q4 202510.44%
Q1 202610.22%
Q2 202610.18%
Delinquent loans (60+ days)
0.78%1.41%2.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.67%
Q3 20241.01%
Q4 20241.28%
Q1 20250.87%
Q2 20252.03%
Q3 20251.64%
Q4 20250.97%
Q1 20260.78%
Q2 20260.94%
Return on assets
0.49%0.58%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.67%
Q4 20240.63%
Q1 20250.49%
Q2 20250.52%
Q3 20250.55%
Q4 20250.60%
Q1 20260.58%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$35.0M10.18%0.94%0.52%43.1%
Q1 202667$34.4M10.22%0.78%0.58%46.6%
Q4 202566$33.2M10.44%0.97%0.60%51.3%
Q3 202560$32.7M10.42%1.64%0.55%44.3%
Q2 202555$33.4M10.06%2.03%0.52%43.0%
Q1 202565$33.0M10.02%0.87%0.49%43.0%
Q4 202463$32.0M10.21%1.28%0.63%46.0%
Q3 202466$31.7M10.18%1.01%0.67%47.6%
Q2 202458$32.0M9.88%1.67%0.59%49.7%

2,479 peers · Under $100 million in assets

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 ratio10.18%
18th
Problem loans0.94%
41st
Net charge-offs0.07%
61st
Return on assets0.52%
43rd
Loans to deposits43.1%
74th
Uninsured deposits2.3%
42nd
Loan-loss reserves0.00%
37th
Texas ratio3.6%
38th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Community Link Federal Credit UnionCredit union Huntington, IN65 out of 100, Moderate$35.9M13.4%2.04%vs
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
Central Soya Federal Credit UnionCredit union Decatur, IN87 out of 100, Very strong$33.2M18.4%0.19%vs
Hometown Federal Credit UnionCredit union Peru, IN79 out of 100, Strong$37.2M33.3%1.68%vs
Hoosier United Credit UnionCredit union Indianapolis, IN83 out of 100, Strong$37.5M13.2%0.68%vs
Howard County School Em Federal Credit UnionCredit union Kokomo, IN73 out of 100, Strong$31.4M18.1%1.51%vs

Deposit insurance

Is my money safe at First County Federal Credit Union?

Yes. First County Federal Credit Union is a federally insured credit union (NCUA charter #14163). 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 2.3% of shares and deposits ($728K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.18%, 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

First County Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First County Federal Credit Union
Type
Federal credit union
NCUA charter #
14163
RSSD ID
400486
Primary regulator
NCUA
Established
1961
Headquarters
1100 W 11th St, Muncie, IN 47302
Employees
13

Quick answers

First County Federal Credit Union: common questions

Is First County Federal Credit Union NCUA insured?

Yes. First County Federal Credit Union is a federally insured credit union (NCUA charter #14163). 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 First County Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 First County Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Muncie

InstitutionScoreAssetsCapitalProblem loansCompare
Crossroads Financial Federal Credit UnionCredit union Portland, IN100 out of 100, Very strong$102.4M15.1%0.05%vs
A H E Plant 3 Federal Credit UnionCredit union Winchester, IN100 out of 100, Very strong$12.2M19.9%0.07%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Eastern Indiana Federal Credit UnionCredit union New Castle, IN84 out of 100, Strong$44.4M13.5%1.05%vs
Indiana Members Credit UnionCredit union Indianapolis, IN74 out of 100, Strong$3.6B10.6%0.49%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs