Credit Union Safety Analysis
Is Clifty Creek Employees Federal Credit Union Safe? Madison, Indiana
Based on its Q2 2026 NCUA 5300 call report, Clifty Creek Employees Federal Credit Union has a net worth ratio of 16.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Clifty Creek Employees Federal Credit Union's net worth ratio is 16.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.95%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -0.84%
- Loan-to-share ratio (Q2 2026): 69.07%
Clifty Creek Employees Federal Credit Union (NCUA charter 12152, established 1958) reported $16.3M in assets and 1,187 members for Q2 2026 from Madison, Indiana. It ranks 97 of 118 credit unions in Indiana by total assets. Total assets grew 2.6% from $15.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.22% for Q1 2026; 18.37% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.33% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.01% for Q1 2026; 0.04% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 68.47% for Q1 2026; 82.85% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.4M
- Other secured non-real estate loans and lines of credit: $2.9M
- New vehicle loans: $1.4M
- Other unsecured loans and lines of credit: $533K
- Non-federally guaranteed student loans: $30K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.3M | 16.95% | — | -0.84% | 69.07% |
| March 31, 2026 | $16.2M | 17.22% | — | -1.01% | 68.47% |
| December 31, 2025 | $16.1M | 17.63% | 0.04% | -0.96% | 74.00% |
| September 30, 2025 | $15.9M | 18.08% | 0.09% | -1.05% | 75.65% |
| June 30, 2025 | $15.8M | 18.37% | 0.33% | 0.04% | 82.85% |
| March 31, 2025 | $15.9M | 18.35% | 1.20% | -1.77% | 87.57% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Clifty Creek Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12152) · FFIEC NIC profile (RSSD 291385)
Frequently asked questions
Is Clifty Creek Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Clifty Creek Employees Federal Credit Union's net worth ratio is 16.95%, above the 7% NCUA threshold for well capitalized.
Is Clifty Creek Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Clifty Creek Employees Federal Credit Union is a federally insured credit union (NCUA charter 12152): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Clifty Creek Employees Federal Credit Union's key safety ratios?
For Q2 2026, Clifty Creek Employees Federal Credit Union reports net worth 16.95%, delinquency not reported, ROA -0.84%, loan-to-share 69.07%.
What happens to my money if Clifty Creek Employees Federal Credit Union fails?
For Q2 2026, Clifty Creek Employees Federal Credit Union held $13.5M in shares and deposits for 1,187 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.