Federal credit union · Warsaw, Indiana · NCUA charter #22704
Indiana Lakes
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $27.5M
- Total assets
- 1,749
- Members
- 11.5%
- Net-worth ratio
Indiana Lakes scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.5M; members 1,749; net-worth ratio 11.53%; health rank #2,984 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,984 of 4,374 health · 2025Q4Indiana Lakes · health 78/100 · $27.5M · 2025Q4
Call Report peers
Indiana Lakes in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Indiana Lakes vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Indiana Lakes sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Indiana Lakes vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.68% vs peer 1.15% (-0.47 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -4.10 pp (55.70% vs 59.80%).
Indiana standing for Indiana Lakes
- Indiana health ordinal: #81 of 124.
- Assets rank #89 of 124 inside Indiana ($27.5M reported).
- Membership ranks #96 of 124 among Indiana CUs with a reported count (1,749 members).
- One place up in Indiana, Vulcraft Employees (#80) ties at 78/100; one place down, Public Service #3 (#82) ties at 78/100.
How Indiana Lakes's 5300 filing moved
Indiana Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $27.5M (2025Q4) to $28.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.65% → 11.53%).
At 11.53%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Indiana Lakes gives up 22 points in total. Return on Assets costs the most, 9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 6.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 12.1 pts
Indiana Lakes health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.53% | -3.33 pp |
| Delinquency Rate | 0.68% | -0.47 pp |
| Return on Assets | 0.03% | -0.67 pp |
| Member Growth | -1.30% | - |
| Loan-to-Share Ratio | 55.70% | -4.10 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Indiana Lakes quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.4M | - |
| 2025Q4 | $27.5M | 1,749 |
| 2024Q4 | $26.2M | 1,772 |
| 2023Q4 | $25.9M | 1,783 |
Credit Union Details
- Charter Number
- 22704
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Warsaw
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Indiana Lakes runs one office.
| Office | City |
|---|---|
| 322 South Detroit Street (Main Office) | Warsaw, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Indiana Lakes ranks #2,984 of 4,374 nationally on financial health and #81 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAKES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAKES
Frequently Asked Questions
Is Indiana Lakes financially healthy?
Indiana Lakes has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,984 of 4,374 nationally on health and #81 of 124 in Indiana. Its net worth ratio is 11.53% and its delinquency rate 0.68%.
How does Indiana Lakes compare to other credit unions?
Indiana Lakes scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.68% vs 1.15%). Its widest shortfall is loan-to-share ratio (55.70% vs 59.80%).
How can I join Indiana Lakes?
Indiana Lakes 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 Lakes directly for the exact boundaries and application steps.
Is my money safe at Indiana Lakes?
Indiana Lakes 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 Lakes's net worth ratio of 11.53% 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.