Federal credit union · KOKOMO, Indiana · NCUA charter #24108

Indiana Heartland

Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

83
Health / 100
$49.1M
Total assets
5,153
Members
10.8%
Net-worth ratio

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.

NCUSIF coverage gauge for Indiana Heartland Share insurance under NCUSIF covers up to $250,000 per share owner. Indiana Heartland holds approximately $43.6M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 10.8 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 10.8% · $43.6M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Indiana Heartland - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 10.77% 30% weight
  • Asset quality (delinquency) 2.73% 25% weight
  • Earnings (ROA) 1.02% 15% weight
  • Member growth 5.66% 15% weight
  • Liquidity (loan-to-share) 81% 15% weight

Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 71.8%

At 10.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$49.1M
Total Assets
5,153
Members
$35.3M
Total Loans
$43.6M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 10.77% 30%
Delinquency Rate 2.73% 25%
Return on Assets 1.02% 15%
Member Growth 5.66% 15%
Loan-to-Share Ratio 81.13% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Indiana Heartland

The five-factor composite scores Indiana Heartland at 83/100 (Excellent), reflecting a net worth ratio of 10.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in KOKOMO, Indiana, reports 5,153 members, $49.1M in total assets, and $35.3M in outstanding loans as of Q4 2025 under charter #24108 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).

Deposits deployed into lending sit at a 81.13% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 2.73% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 1.02% on net income of $503K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 5.66%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other/Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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.

Compare Indiana Heartland vs DUBOIS-PIKE

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

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. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.77% 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 10.77% 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.