Federal credit union · INDIANAPOLIS, Indiana · NCUA charter #22468
Elements Financial
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.47B
- Total assets
- 98,725
- Members
- 11.5%
- Net-worth ratio
Elements Financial scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.47B; members 98,725; net-worth ratio 11.49%; health rank #948 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#948 of 4,374 health · 2025Q4Elements Financial · health 91/100 · $2.47B · 2025Q4
- NW 91/100
- DELQ 11.5%
- ROA 0.56%
- ASSETS 0.56%
- MEM $2.47B
- RANK 98,725
- PHOTO #948/4,374
- BOOK TEXANS
- CHARTER 22468
Call Report peers
Elements Financial in the assets neighbourhood
Elements Financial's $2.47B assets sit next to TEXANS ($2.47B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Elements Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Elements Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22468 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Elements Financial
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.31 pp (0.56% vs 0.87%).
- Loan-to-Share Ratio trails the peer set - 82.56% here, 83.90% peer average (-1.34 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Elements Financial in Indiana
- Health composite ranks #25 of 124 among scored Indiana credit unions.
- By total assets, Elements Financial is #5 of 124 in Indiana.
- Membership ranks #8 of 124 among Indiana CUs with a reported count (98,725 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Elements Financial Call Report trajectory
Elements Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $2.47B (2025Q4) to $2.50B (2026Q1).
- Net-worth ratio shifted +0.89 pp (10.60% → 11.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 15.4 pts
Elements Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.49% | +0.31 pp |
| Delinquency Rate | 0.56% | -0.31 pp |
| Return on Assets | 0.56% | +0.05 pp |
| Member Growth | -1.57% | - |
| Loan-to-Share Ratio | 82.56% | -1.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Elements Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.50B | - |
| 2025Q4 | $2.47B | 98,725 |
| 2024Q4 | $2.30B | 100,304 |
| 2023Q4 | $2.32B | 99,781 |
Credit Union Details
- Charter Number
- 22468
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- INDIANAPOLIS
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Elements Financial runs 5 offices.
| Office | City |
|---|---|
| Elements-FB (Main Office) | Indianapolis, IN |
| Elements-LCC | Indianapolis, IN |
| Elements-LTC | Indianapolis, IN |
| Elements_IGC | Indianapolis, IN |
| Elements_FB | Indianapolis, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Elements Financial nationwide neighbourhoods
Elements Financial's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.47B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Elements Financial ranks #948 of 4,374 nationally on financial health and #25 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTRA
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Elements Financial financially healthy?
A 11.49% net worth ratio and a 0.56% delinquency rate feed into Elements Financial's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #948 of 4,374; by total assets it ranks #214 of 4,374 nationally (same basis as /rankings/largest); and #5 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Elements Financial compare to other credit unions?
91/100 is Elements Financial's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Elements Financial?
Elements Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Elements Financial directly for the exact boundaries and application steps.
Is my money safe at Elements Financial?
Federal credit unions like Elements Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Elements Financial's net worth ratio of 11.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Elements Financial offer compared to banks?
Credit unions like Elements Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Elements Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.