Clifty Creek Employees Federal Credit Union Madison, Indiana
Clifty Creek Employees Federal Credit Union is a federal credit union headquartered in Madison, IN, established in 1958 (NCUA charter 12152), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,187 members and total assets of $16.3M (up 2.6% from Q2 2025), the 97th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 16.95% at Q2 2026, in the well capitalized band.
Also written as Clifty Creek Employees FCU
BankRegReports is independent of Clifty Creek Employees Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 12152
- Headquarters
- Madison, IN
- Established
- 1958
- Total assets, Q2 2026
- $16.3M
- Assets vs Q2 2025
- +2.6%
- Members, Q2 2026
- 1,187
- Net worth ratio, Q2 2026
- 16.95%
- Latest call report
- Q2 2026, NCUA 5300 · Clifty Creek Employees Federal Credit Union call report
- Asset rank in state
- 97th of 118 in Indiana
- Routing number
- 283977992
- Branches
- 1
It has 178 fewer members than on June 30, 2025 (-13.0%). Its net worth ratio was down 1.42 percentage points from 18.37% on June 30, 2025. Used vehicle loans are its largest loan category, $4.4M of $9.3M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Indiana
Frequently asked about Clifty Creek Employees Federal Credit Union
How big is Clifty Creek Employees Federal Credit Union?
At Q2 2026 it reported total assets of $16.3M and 1,187 members.
Where is Clifty Creek Employees Federal Credit Union headquartered?
It is headquartered in Madison, IN, United States.
When was Clifty Creek Employees Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Clifty Creek Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12152): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Clifty Creek Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Clifty Creek Employees Federal Credit Union well capitalized?
Its net worth ratio was 16.95% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Clifty Creek Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.07% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Madison, IN 47250
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12152
- RSSD ID
- 291385
- Members
- 1,187
- Potential members
- 3,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.95% | 14.31% | 63rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.84% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -4.95% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.89% | 3.93% | 14th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.77% | 79.83% | 33rd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.85% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.74% | 4.70% | 52nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 69.07% | 58.92% | 65th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$16.3M total assets against $15.8M; $13.5M total shares and deposits against $12.9M; $9.3M total loans against $10.7M.
$2.8M net worth against $2.9M.
16.95% net worth ratio against 18.37%.
69.07% loan-to-share ratio against 82.85%.
-0.84% return on assets against 0.04%; -4.95% return on equity against 0.22%.
2.89% net interest margin against 3.02%.
1,187 members against 1,365.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.95% | -0.84% | — | 69.07% |
| March 31, 2026 | 17.22% | -1.01% | — | 68.47% |
| December 31, 2025 | 17.63% | -0.96% | 0.04% | 74.00% |
| September 30, 2025 | 18.08% | -1.05% | 0.09% | 75.65% |
| June 30, 2025 | 18.37% | 0.04% | 0.33% | 82.85% |
| March 31, 2025 | 18.35% | -1.77% | 1.20% | 87.57% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.