Federal credit union · Elkhart, Indiana · NCUA charter #4968
INOVA
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $655.7M
- Total assets
- 47,545
- Members
- 8.1%
- Net-worth ratio
INOVA scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $655.7M; members 47,545; net-worth ratio 8.11%; health rank #3,616 of 4,374; healthier than 17th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,616 of 4,374 health · 2025Q4INOVA · health 70/100 · $655.7M · 2025Q4
Call Report peers
INOVA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INOVA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); INOVA sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
INOVA vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 115.36% vs peer 83.90% (+31.46 pp).
- Net Worth Ratio trails the peer set - 8.11% here, 11.18% peer average (-3.07 pp).
Where INOVA sits in Indiana
- Indiana health ordinal: #101 of 124.
- Indiana assets place: #20 of 124.
- Membership ranks #19 of 124 among Indiana CUs with a reported count (47,545 members).
- One place up in Indiana, TECH (#100) scores 72/100, 2 points higher; one place down, ALLEGIUS (#102) scores 69/100, 1 point lower.
Quarter path for INOVA
INOVA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $655.7M (2025Q4) to $658.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.12% → 8.11%).
At 8.11%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
INOVA gives up 30 points in total. Loan-to-Share Ratio costs the most, 10.3 of its 15; Net Worth Ratio loses the least, 4.7.
- Net Worth Ratio 25.3 pts
- Delinquency Rate 20.1 pts
- Return on Assets 9.5 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 4.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.11% | -3.07 pp |
| Delinquency Rate | 0.99% | +0.12 pp |
| Return on Assets | 0.13% | -0.37 pp |
| Member Growth | 1.01% | - |
| Loan-to-Share Ratio | 115.36% | +31.46 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
INOVA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $658.1M | - |
| 2025Q4 | $655.7M | 47,545 |
| 2024Q4 | $682.9M | 47,069 |
| 2023Q4 | $716.1M | 46,235 |
Credit Union Details
- Charter Number
- 4968
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Indiana
- City
- Elkhart
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, INOVA runs 6 offices in 4 different cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Elkhart, IN |
| CR 6 | Elkhart, IN |
| CR 17 | Elkhart, IN |
| Granger | Granger, IN |
| Michigan City | Michigan City, IN |
| Main Steet Branch | Mishawaka, 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.
Cross-state Call Report peers for INOVA
Using this data
- INOVA ranks #3,616 of 4,374 nationally on financial health and #101 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TECH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TECH
Frequently Asked Questions
Is INOVA financially healthy?
INOVA has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,616 of 4,374 nationally on health and #101 of 124 in Indiana. Its net worth ratio is 8.11% and its delinquency rate 0.99%.
How does INOVA compare to other credit unions?
INOVA scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (115.36% vs 83.90%). Its widest shortfall is net worth ratio (8.11% vs 11.18%).
How can I join INOVA?
INOVA 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 INOVA directly for the exact boundaries and application steps.
Is my money safe at INOVA?
INOVA 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. INOVA's net worth ratio of 8.11% 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.