Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 10 Dec 2021 |
| RSSD ID | 443773 |
| Address | 4501 S Delaware Dr, Muncie, IN 47302 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$300,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as THRIVE (charter 3631). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $110 million (as of 30 Jun 2026) |
|---|---|
| Members | 8,450 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
Indiana (3 offices)
- Delaware County (3): 4501 S Delaware Dr, Muncie 47302 (main office); 2610 N Wheeling Ave, Muncie 47303; 3360 N Morrison Rd, Muncie 47304
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by THRIVE FEDERAL CREDIT UNION (NCUA charter 3631, filed as “THRIVE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $75 million, 6,069 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 12.2% from $66.8 million on 30 Jun 2025 |
| Members | 8,450 (as of 30 Jun 2026); 8,112 (as of 30 Jun 2025) |
| Loans per member | $8,873 (total loans divided by members, 30 Jun 2026) |
| Total assets | $110 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $4.8 million | 6.4% |
| Used vehicle loans | $22.7 million | 30.2% |
| First-lien home mortgages (1-4 family) | $26.9 million | 35.9% |
| Other real estate loans (junior liens, other) | $7.8 million | 10.4% |
| Credit cards | $1.6 million | 2.1% |
| Other unsecured loans | $4.9 million | 6.5% |
| Leases and other secured loans | $6.3 million | 8.5% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025THRIVE FEDERAL CREDIT UNION reported 74 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.7M (median loan about $55,000).
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Refinance (incl. 44 cash-out) | 46 | 62% |
| Home improvement | 12 | 16% |
| Other purpose | 15 | 20% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 74 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 7 counties with at least one; 100% of its 2025 loans were for properties in Indiana:
- Delaware County, IN (62)
- Henry County, IN (3)
- Madison County, IN (3)
- Randolph County, IN (3)
Filed under LEI 549300LWP1GP6WN1YQ84 as “THRIVE FCU”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $110 million | Larger than 80% of the 5 other certified credit unions in Indiana (median $15 million). |
| Loans as a share of assets | 68% | Median of the same 5 credit unions: 45%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $66.8 million → $75 million (+12%) | Median change of 5 other certified credit unions in Indiana: +9%. Rank by loans held among these 6: 3 → 2. |
| Home loans originated in 2025 (HMDA) | 74 | More than 34% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Indiana | 5 | larger than 80% |
| Loans held then vs now | certified credit unions in Indiana reporting both dates | 5 | rank 3 → 2 of 6 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 34% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Muncie and Indiana
- Afena Federal Credit UnionCredit union · Marion, INAuto / vehicle loans, Small-dollar / emergency loans, Home repair / improvement loans, Personal / consumer loansVerified
- Build Fund, LLCLoan fund · Indianapolis, INSmall-business loansVerified
- CANI’s Center for Community and Economic Development, Inc. dba Brightpoint Development FundLoan fund · Fort Wayne, INSmall-dollar / emergency loans, Microloans, Small-business loansVerified
- CDFI Friendly BloomingtonLoan fund · Bloomington, INVerified
- Edge Fund, LLCLoan fund · Indianapolis, INAffordable housing development loans, Home mortgagesVerified
- Flagship Enterprise Capital, Inc.Loan fund · Anderson, INMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
Work at THRIVE FEDERAL CREDIT UNION? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.