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
- NCUSIF 83/100
- CAMELS 11.3%
- HEALTH 2.73%
- NW 1.02%
- DELQ $49.1M
- ROA 5,153
- ASSETS #2,292/4,374
- MEM Star Financial
- RANK 24108
Call Report peers
Indiana Heartland in the assets neighbourhood
Indiana Heartland's $49.1M assets sit next to Star Financial ($49.1M) 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.
Indiana Heartland 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
83 46th percentile higher than 46% 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
Indiana Heartland - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24108, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Indiana Heartland's 5300 filing moved
Indiana Heartland: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $49.1M (2025Q4) to $49.1M (2026Q1).
- Net-worth ratio shifted +0.46 pp (10.87% → 11.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Indiana Heartland's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($49.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- 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 Indiana Heartland financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - Indiana Heartland's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,292 of 4,374; by total assets it ranks #2,413 of 4,374 nationally (same basis as /rankings/largest); and #67 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.33% net worth ratio and 2.73% delinquency rate are the key drivers.
How does Indiana Heartland compare to other credit unions?
Indiana Heartland scores 83/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like Indiana Heartland 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. Indiana Heartland's net worth ratio of 11.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Indiana Heartland offer compared to banks?
Credit unions like Indiana Heartland 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 Indiana Heartland 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.