🏦Bank Scorer

THRIVE

Muncie, IN · Federal Credit Union · Chartered in IN

LICUWell Capitalized

Who can join

Employer / occupational group

Charter #3631Est. 1940RSSD: 443773

Members

8,323

Net Worth Ratio

11.44%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$113.4M

Peer Group 5

Members

8,323

as of latest quarter

Net Worth Ratio

11.44%

Well Capitalized

Institution Profile

NCUA

Address

4501 S Delaware Dr, Muncie, IN 47302-9405

Chartered

1940

Branch Locations

3 locations

Membership Eligibility

Employer / occupational group

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$113.4M

Total Shares

$99.9M

Total Loans

$72.0M

Net Income

$181K

Net Worth Ratio

11.44%

≥7% = Well Capitalized

Members

8,323

Return on Assets

0.16%

annualized · >0.5% healthy

Delinquency Rate (60d+)

1.08%

$776K

Loan-to-share ratio: 72.1%· healthy range 60–80%

Branch Locations

NCUA

Main Office

4501 S Delaware Dr, Muncie, IN, 47302-9405

Lobby hours Monday through Friday 9:00 - 4:30

MainATMDrive-thru

Branch

2610 N Wheeling Ave, Muncie, IN, 47303

Lobby Hours Monday through Friday 9:00 - 4:30

ATMDrive-thru

Morrison Office

3360 N Morrison Rd, Muncie, IN, 47304-5542

Lobby Monday thru Friday 9:00 am to 5:00 pm

ATMDrive-thru

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.