Federal credit union · Kokomo, Indiana · NCUA charter #16065
Howard County School Em
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $31.3M
- Total assets
- 2,434
- Members
- 17.3%
- Net-worth ratio
Howard County School Em scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.3M; members 2,434; net-worth ratio 17.26%; health rank #4,083 of 4,374; healthier than 6th of scored peers.
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NCUA 5300 Call Report Masthead
#4,083 of 4,374 health · 2025Q4Howard County School Em · health 59/100 · $31.3M · 2025Q4
Call Report peers
Howard County School Em in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Howard County School Em vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Howard County School Em sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Howard County School Em: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 17.26% vs peer 14.86% (+2.40 pp).
- Largest lag: Loan-to-Share Ratio at 32.59% vs peer 59.80% (-27.21 pp).
Howard County School Em: in-state Call Report ranks
- In Indiana, health place is #117 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #85 of 124.
- Member book place in Indiana: #86 of 124.
- One place up in Indiana, INDEPENDENT (#116) scores 60/100, 1 point higher; one place down, Urban Beginnings Choice (#118) ties at 59/100.
Quarter path for Howard County School Em
Howard County School Em: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $31.3M (2025Q4) to $32.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (17.27% → 17.26%).
17.26% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 59/100 score is built
Howard County School Em gives up 41 points in total. Delinquency Rate costs the most, 16.2 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.8 pts
- Return on Assets 11.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Howard County School Em vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.26% | +2.40 pp |
| Delinquency Rate | 2.59% | +1.44 pp |
| Return on Assets | 0.24% | -0.46 pp |
| Member Growth | -8.29% | - |
| Loan-to-Share Ratio | 32.59% | -27.21 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Howard County School Em
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.2M | - |
| 2025Q4 | $31.3M | 2,434 |
| 2024Q4 | $34.3M | 2,654 |
| 2023Q4 | $33.3M | 2,673 |
Credit Union Details
- Charter Number
- 16065
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Kokomo
- Data Quarter
- 2025Q4
Branch Location
Howard County School Em operates a single office in Kokomo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Kokomo, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Howard County School Em ranks #4,083 of 4,374 nationally on financial health and #117 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Health is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Health
Frequently Asked Questions
Is Howard County School Em financially healthy?
On its 2025Q4 NCUA 5300 filing, Howard County School Em scores 59/100 (Fair), with a 17.26% net worth ratio and 2.59% of loans delinquent. It ranks #4,083 of 4,374 nationally on health and #117 of 124 in Indiana.
How does Howard County School Em compare to other credit unions?
Howard County School Em scores 59/100, higher than 6% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.26% vs 14.86%). Its widest shortfall is loan-to-share ratio (32.59% vs 59.80%).
How can I join Howard County School Em?
Howard County School Em is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Howard County School Em directly to confirm eligibility.
Is my money safe at Howard County School Em?
Howard County School Em is a federal credit union; its shares are federally 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. Howard County School Em's net worth ratio of 17.26% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.