Elements Financial Federal Credit Union Indianapolis, Indiana
Elements Financial Federal Credit Union is a federal credit union headquartered in Indianapolis, IN, established in 1976 (NCUA charter 22468), and it is regulated and insured by the NCUA. At Q2 2026 it reported 102,766 members and total assets of $2.50B (up 0.8% from Q2 2025), the 5th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 11.92% at Q2 2026, in the well capitalized band.
Also written as Elements Financial FCU
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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
- 22468
- Headquarters
- Indianapolis, IN
- Established
- 1976
- Total assets, Q2 2026
- $2.50B
- Assets vs Q2 2025
- +0.8%
- Members, Q2 2026
- 102,766
- Net worth ratio, Q2 2026
- 11.92%
- Latest call report
- Q2 2026, NCUA 5300 · Elements Financial Federal Credit Union call report
- Asset rank in state
- 5th of 118 in Indiana
- Routing number
- 274073834
- Branches
- 5
It has 3,370 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 1.89 percentage points from 10.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $975.1M of $1.69B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.92% net worth ratio is above that band's 10.89% median.
Credit unions merged into Elements Financial Federal Credit Union
State Service Credit Union (2015)
Frequently asked about Elements Financial Federal Credit Union
How big is Elements Financial Federal Credit Union?
At Q2 2026 it reported total assets of $2.50B and 102,766 members.
Where is Elements Financial Federal Credit Union headquartered?
It is headquartered in Indianapolis, IN, United States.
When was Elements Financial Federal Credit Union founded?
It was established in 1976, per NCUA records.
Is Elements Financial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 22468): 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 Elements Financial Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Elements Financial Federal Credit Union well capitalized?
Its net worth ratio was 11.92% 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 Elements Financial Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Elements Financial Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.34% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Indianapolis, IN 46202
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1976
- NCUA Charter #
- 22468
- RSSD ID
- 926388
- Members
- 102,766
- Potential members
- 273,910
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.92% | 10.89% | 65th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.90% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 15.90% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.87% | 3.45% | 19th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 54.08% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.02% | 1.68% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.46% | 0.68% | 74th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.89% | 5.12% | 36th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 85.34% | 88.03% | 43rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.50B total assets against $2.48B; $1.98B total shares and deposits against $2.08B; $1.69B total loans against $1.68B.
$298.6M net worth against $249.2M.
11.92% net worth ratio against 10.03%.
85.34% loan-to-share ratio against 80.91%.
0.46% delinquency ratio against 0.39%.
1.90% return on assets against 1.09%; 15.90% return on equity against 10.87%.
2.87% net interest margin against 2.58%.
102,766 members against 99,396.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.92% | 1.90% | 0.46% | 85.34% |
| March 31, 2026 | 11.49% | 0.91% | 0.35% | 78.01% |
| December 31, 2025 | 10.60% | 1.18% | 0.56% | 82.56% |
| September 30, 2025 | 10.46% | 1.86% | 0.46% | 81.83% |
| June 30, 2025 | 10.03% | 1.09% | 0.39% | 80.91% |
| March 31, 2025 | 9.75% | 0.61% | 0.26% | 78.15% |
Scroll sideways to see every column.
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.