Credit union · NCUA insured
Financial Builders
A $154.9M credit union headquartered in Kokomo, IN, with 10,144 members and 1 branch in Indiana. Best rates: CDs 4.05% and savings 0.97% APY.
Financial Builders Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#4 of 10 in Kokomo, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Financial Builders
Founded in 1964 for Chrysler employees, Financial Builders is based in Kokomo, Indiana.
The credit union is owned by its members and serves individuals who live, work, worship, or attend school across seven Indiana counties.
- Headquarters
- 2828 S Lafountain St, Kokomo, IN 46902-3706
- NCUA charter
- 16213
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone who lives, works, or worships in Howard, Tipton, White, Carroll, Clinton, Cass, or Miami Counties.
Cost to join
- A deposit of $5 into a savings account is required to become a member.
Branches
1 branch in Indiana
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Indiana
1 branch
- Financial Builders Federal Credit UnionMain office2828 S Lafountain St, Kokomo, IN 46902Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.48% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.97% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio12.48%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Financial Builders are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.