TellerScore

Fort Financial Federal Credit Union (NCUA charter #5431) is based in Fort Wayne, Indiana. Its Q2 2026 call report shows $397.3M in total assets and $348.7M in member shares and deposits and 7 offices across 2 states.

Fort Financial Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 50th. Problem-loan coverage contributes the most (94/100, 3.1%); capital cushion contributes the least (68/100, 11.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.81%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity78/100
Loans ÷ shares: 82.3% · 4.8% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.15%

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 4 points (72 → 76), mostly because the earnings component improved by 12 points.

TellerScore
576777Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202465
Q4 202466
Q1 202569
Q2 202572
Q3 202574
Q4 202576
Q1 202677
Q2 202676
Net worth ratio
7.00%9.41%11.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.78%
Q3 202411.15%
Q4 202411.30%
Q1 202511.29%
Q2 202511.48%
Q3 202511.70%
Q4 202511.79%
Q1 202611.76%
Q2 202611.81%
Delinquent loans (60+ days)
0.27%0.86%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.46%
Q3 20241.00%
Q4 20240.83%
Q1 20250.64%
Q2 20250.52%
Q3 20250.46%
Q4 20250.34%
Q1 20260.27%
Q2 20260.50%
Return on assets
0.52%0.87%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.72%
Q4 20240.71%
Q1 20250.80%
Q2 20250.92%
Q3 20251.10%
Q4 20251.11%
Q1 20261.11%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$397.3M11.81%0.50%1.22%82.3%
Q1 202677$398.4M11.76%0.27%1.11%83.3%
Q4 202576$371.1M11.79%0.34%1.11%90.3%
Q3 202574$362.7M11.70%0.46%1.10%89.4%
Q2 202572$358.7M11.48%0.52%0.92%87.4%
Q1 202569$357.8M11.29%0.64%0.80%84.8%
Q4 202466$342.6M11.30%0.83%0.71%89.0%
Q3 202465$344.2M11.15%1.00%0.72%88.6%
Q2 202457$348.2M10.78%1.46%0.52%87.2%

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 ratio11.81%
55th
Problem loans0.50%
65th
Net charge-offs0.22%
68th
Return on assets1.22%
79th
Loans to deposits82.3%
34th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio3.1%
60th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Industrial Federal Credit UnionCredit union Lafayette, IN71 out of 100, Strong$356.1M9.2%0.41%vs
Solidarity Community Federal Credit UnionCredit union Kokomo, IN76 out of 100, Strong$351.1M12.4%0.47%vs
Primetrust Financial Federal Credit UnionCredit union Muncie, IN66 out of 100, Moderate$272.9M10.4%0.88%vs
Partners 1st Federal Credit UnionCredit union Fort Wayne, IN58 out of 100, Moderate$545.8M9.8%0.61%vs
Encompass Federal Credit UnionCredit union Tipton, IN52 out of 100, Below average$240.7M9.4%1.60%vs
U S #1364 Federal Credit UnionCredit union Merrillville, IN76 out of 100, Strong$222.4M13.6%1.12%vs

Deposit insurance

Is my money safe at Fort Financial Federal Credit Union?

Yes. Fort Financial Federal Credit Union is a federally insured credit union (NCUA charter #5431). 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 4.8% of shares and deposits ($16.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Fort Financial Federal Credit Union lists 7 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fort Financial Federal Credit Union reported 561 home-loan applications under HMDA (LEI 54930027H7CJF9GCDZ36): 306 originated ($46,360,000 total), 101 denied, and 154 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.8%, 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
Fort Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
5431
RSSD ID
601171
Primary regulator
NCUA
Established
1946
Headquarters
8815 Lima Rd, Fort Wayne, IN 46818
Employees
94

Quick answers

Fort Financial Federal Credit Union: common questions

Is Fort Financial Federal Credit Union NCUA insured?

Yes. Fort Financial Federal Credit Union is a federally insured credit union (NCUA charter #5431). 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 Fort Financial Federal Credit Union's TellerScore?

76 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 Fort Financial Federal Credit Union have?

7 offices as of the latest NCUA data, in 2 states.

Nearby

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