Federal credit union · KOKOMO, Indiana · NCUA charter #24108
Indiana Heartland
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $49.1M
- Total assets
- 5,153
- Members
- 11.3%
- Net-worth ratio
Indiana Heartland scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $49.1M; members 5,153; net-worth ratio 11.33%; health rank #2,292 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,292 of 4,374 health · 2025Q4Indiana Heartland · health 83/100 · $49.1M · 2025Q4
Call Report peers
Indiana Heartland in the assets neighbourhood
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Indiana Heartland vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Indiana Heartland sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Indiana Heartland
- Largest favorable gap: Loan-to-Share Ratio at 81.13% vs peer 59.80% (+21.33 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.53 pp (11.33% vs 14.86%).
Indiana Heartland in Indiana
- In Indiana, health place is #66 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #67 of 124 inside Indiana ($49.1M reported).
- Membership ranks #60 of 124 among Indiana CUs with a reported count (5,153 members).
- One place up in Indiana, CHIPHONE (#65) ties at 83/100; one place down, Whiting Refinery (#67) scores 82/100, 1 point lower.
How Indiana Heartland's 5300 filing moved
Indiana Heartland: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $49.1M (2025Q4) to $49.1M (2026Q1).
- Net-worth ratio shifted +0.46 pp (10.87% → 11.33%).
At 11.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Indiana Heartland gives up 17 points in total. Delinquency Rate costs the most, 17 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Indiana Heartland vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.33% | -3.53 pp |
| Delinquency Rate | 2.73% | +1.58 pp |
| Return on Assets | 1.02% | +0.32 pp |
| Member Growth | 5.66% | - |
| Loan-to-Share Ratio | 81.13% | +21.33 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Indiana Heartland filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.1M | - |
| 2025Q4 | $49.1M | 5,153 |
| 2024Q4 | $41.0M | 4,877 |
| 2023Q4 | $38.2M | 4,700 |
Credit Union Details
- Charter Number
- 24108
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- KOKOMO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Indiana Heartland, spread across 2 cities.
| Office | City |
|---|---|
| indiana heartland federal credit union (Main Office) | kokomo, IN |
| diversified federal credit union | logansport, 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.
Indiana Heartland nationwide neighbourhoods
Similar total assets
Using this data
- Indiana Heartland ranks #2,292 of 4,374 nationally on financial health and #66 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DUBOIS-PIKE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DUBOIS-PIKE
Frequently Asked Questions
Is Indiana Heartland financially healthy?
On its 2025Q4 NCUA 5300 filing, Indiana Heartland scores 83/100 (Excellent), with a 11.33% net worth ratio and 2.73% of loans delinquent. It ranks #2,292 of 4,374 nationally on health and #66 of 124 in Indiana.
How does Indiana Heartland compare to other credit unions?
Indiana Heartland scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.13% vs 59.80%). Its widest shortfall is net worth ratio (11.33% vs 14.86%).
How can I join Indiana Heartland?
Indiana Heartland 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 Indiana Heartland directly for the exact boundaries and application steps.
Is my money safe at Indiana Heartland?
Indiana Heartland 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. Indiana Heartland's net worth ratio of 11.33% 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.