TellerScore

Headquartered in Terre Haute, Indiana, T H P Federal Credit Union is a federal credit union with $4.0M in total assets and $3.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1941.

Based on its Q2 2026 filing, T H P Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 60th. Its strongest component is capital cushion (100/100; 24.03%), and its lowest is earnings (0/100; -0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.03%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings0/100
Return on assets (annualized): -0.63%
Funding & liquidity69/100
Loans ÷ shares: 90.9% · 1.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.36%

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 fell 3 points (77 → 74), mostly because the earnings component weakened by 14 points.

TellerScore
747881Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202480
Q4 202479
Q1 202575
Q2 202577
Q3 202581
Q4 202581
Q1 202674
Q2 202674
Net worth ratio
7.00%15.70%24.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.28%
Q3 202422.29%
Q4 202423.59%
Q1 202522.12%
Q2 202523.12%
Q3 202524.39%
Q4 202524.26%
Q1 202623.39%
Q2 202624.03%
Delinquent loans (60+ days)
0.00%0.08%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.05%
Q1 20260.17%
Q2 20260.12%
Return on assets
-1.02%-0.35%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.25%
Q3 2024-0.03%
Q4 2024-0.11%
Q1 2025-0.71%
Q2 2025-0.15%
Q3 20250.32%
Q4 20250.22%
Q1 2026-1.02%
Q2 2026-0.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$4.0M24.03%0.12%-0.63%90.9%
Q1 202674$4.2M23.39%0.17%-1.02%90.6%
Q4 202581$4.1M24.26%0.05%0.22%90.7%
Q3 202581$4.0M24.39%0.00%0.32%98.5%
Q2 202577$4.2M23.12%0.00%-0.15%97.4%
Q1 202575$4.4M22.12%0.00%-0.71%91.4%
Q4 202479$4.1M23.59%0.00%-0.11%91.0%
Q3 202480$4.4M22.29%0.00%-0.03%85.3%
Q2 202477$4.4M22.28%0.00%-0.25%96.2%

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 ratio24.03%
87th
Problem loans0.12%
78th
Net charge-offs0.00%
77th
Return on assets-0.63%
10th
Loans to deposits90.9%
8th
Uninsured deposits1.4%
50th
Loan-loss reserves0.09%
74th
Texas ratio0.4%
77th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Fo Me Bo Co Federal Credit UnionCredit union Wabash, IN98 out of 100, Very strong$3.8M17.3%0.00%vs
Great Horizons Federal Credit UnionCredit union Munster, IN66 out of 100, Moderate$3.6M24.5%4.00%vs
South Bend Transit Federal Credit UnionCredit union South Bend, IN48 out of 100, Below average$2.9M29.0%6.84%vs
Urban Beginnings Choice Federal Credit UnionCredit union Fort Wayne, IN56 out of 100, Moderate$1.8M9.8%3.89%vs
Public Service Edwardspt Pl E Federal Credit UnionCredit union Linton, IN84 out of 100, Strong$1.7M14.5%0.23%vs
Vulcraft Employees Federal Credit UnionCredit union St Joe, IN71 out of 100, Strong$6.4M13.8%1.25%vs

Deposit insurance

Is my money safe at T H P Federal Credit Union?

Yes. T H P Federal Credit Union is a federally insured credit union (NCUA charter #4488). 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 1.4% of shares and deposits ($43K) 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 24.03%, 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

T H P Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
T H P Federal Credit Union
Type
Federal credit union
NCUA charter #
4488
RSSD ID
202475
Primary regulator
NCUA
Established
1941
Headquarters
PO Box 2106, Terre Haute, IN 47802
Employees
2

Quick answers

T H P Federal Credit Union: common questions

Is T H P Federal Credit Union NCUA insured?

Yes. T H P Federal Credit Union is a federally insured credit union (NCUA charter #4488). 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 T H P Federal Credit Union's TellerScore?

74 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 T H P Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Terre Haute

InstitutionScoreAssetsCapitalProblem loansCompare
Paris Hi-Way Credit UnionCredit union Paris, IL100 out of 100, Very strong$11.3M15.8%0.00%vs
Farmers & Merchants Bank of HutsonvilleBank Hutsonville, IL95 out of 100, Very strong$52.0M18.5%0.00%vs
Advantageplus of Indiana Federal Credit UnionCredit union Terre Haute, IN87 out of 100, Very strong$43.9M20.8%0.64%vs
Indiana State University Federal Credit UnionCredit union Terre Haute, IN81 out of 100, Strong$139.9M13.5%0.48%vs
Western Indiana Credit UnionCredit union Sullivan, IN80 out of 100, Strong$48.7M12.6%0.15%vs
First Mid Bank & Trust, National AssociationBank Mattoon, IL70 out of 100, Strong$9.1B10.7%0.58%vs