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Overview / Commentary
3102 Spring St
Fort Wayne, IN 46808

Fort Financial Credit Union is headquartered in Fort Wayne and is the 25th largest credit union in the state of Indiana. It is also the 1,042nd largest credit union in the nation. It was established in 1946 and as of March of 2014, it had grown to 77 employees and 32,986 members. Fort Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in Fort Financial Credit Union is open to anyone who lives, works, worships, attends school within certain areas around Corinth, Mississippi; Fort Wayne and Marion, Indiana; and Gastonia, North Carolina. You can also be eligible via select employer groups. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Fort Financial Credit Union had $1.17 million in non-current loans and owned real-estate with $14.38 million in equity and loan loss allowances on hand to cover it. This gives Fort Financial Credit Union a Texas Ratio of 8.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Fort Financial Credit Union decreased slightly from 9.44% as of March 31, 2013 to 8.11% as of March 31, 2014, resulting in a positive change of 14.14%.This indicates that the balance sheet and financial strength for Fort Financial Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Fort Financial Credit Union has increased its total deposits by $746,000, resulting in 0.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Fort Financial Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Fort Financial Credit Union has $174.2 million in assets with $14.38 million in equity, resulting in a capitalization level of 8.26%, which is average.

Institution Statistics

NCUA #5431
Year Chartered1946
Primary Regulator
Assets and Liabilities
Assets$174.20 million
Loans$143.27 million
Deposits$160.25 million
Equity Capital$12.96 million
Loan Loss Allowance$1.42 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$0
Historic Data - March 2013
Assets$171.27 million
Equity Capital$10.89 million
Loan Loss Allowance$1.27 million
Unbacked Noncurrent Loans$1.17 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.13%
Return on Assets0.46%
Return on Equity6.2%
Interest Income$1.73 million
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Fort Financial Credit Union Savings Account Rates

0.15%--Coverdell ESA Share
0.15%--Traditional IRA Share
0.15%--Roth IRA Share
0.05%$50-Prime Savings
0.05%$50-Special I Savings
0.05%$500-Special II Savings
0.05%$50-Vacation Club
0.05%$50-Christmas Club

Fort Financial Credit Union Money Market Rates

0.25%$50k-Money Market Account

Fort Financial Credit Union CD Rates

1.51%$500-36 Month Certificate
1.21%$500-60 Month Certificate
1.11%$500-48 Month Certificate
0.25%$500-24 Month Certificate
0.25%$500-30 Month COMFORT Certificate
0.15%$500-18 Month Certificate
0.10%$500-9 Month Certificate
0.10%$500-12 Month Certificate
0.05%$500-3 Month Certificate
0.05%$500-6 Month Certificate

Fort Financial Credit Union IRA Rates

1.51%$500-36 Month IRA Certificate
1.21%$500-60 Month IRA Certificate
1.11%$500-48 Month IRA Certificate
0.25%$500-24 Month IRA Certificate
0.25%$500-30 Month COMFORT IRA Certificate
0.15%$500-18 Month IRA Certificate
0.10%$500-12 Month IRA Certificate

Fort Financial Credit Union Locations
Branch Office10301 Maysville RdFort Wayne, IN 46835-9591
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Branch Office603 W Harcourt RdAngola, IN 46703-8802
Branch Office3102 Spring StFort Wayne, IN 46808-2962
Branch Office1302 S Grandstaff DrAuburn, IN 46706-2661
Branch Office1808 S Fulton DrCorinth, MS 38834-9043
Branch Office1475 N New Hope RdGastonia, NC 28054
Branch Office5909 Illinois RdFort Wayne, IN 46804