Credit Union Safety Analysis
Is Elements Financial Federal Credit Union Safe? Indianapolis, Indiana
Based on its Q2 2026 NCUA 5300 call report, Elements Financial Federal Credit Union has a net worth ratio of 11.92%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.46%, 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, Elements Financial Federal Credit Union's net worth ratio is 11.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.92%
- Delinquency ratio (60+ days) (Q2 2026): 0.46%
- Return on assets (Q2 2026): 1.90%
- Loan-to-share ratio (Q2 2026): 85.34%
Elements Financial Federal Credit Union (NCUA charter 22468, established 1976) reported $2.50B in assets and 102,766 members for Q2 2026 from Indianapolis, Indiana. It ranks 5 of 118 credit unions in Indiana by total assets. Total assets grew 0.8% from $2.48B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.49% for Q1 2026; 10.03% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.35% for Q1 2026; 0.39% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.91% for Q1 2026; 1.09% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 78.01% for Q1 2026; 80.91% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $975.1M
- Commercial loans: $365.7M
- Used vehicle loans: $220.2M
- Non-federally guaranteed student loans: $36.4M
- Other unsecured loans and lines of credit: $33.2M
- New vehicle loans: $28.3M
- Unsecured credit card loans: $25.8M
- Other secured non-real estate loans and lines of credit: $9.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.50B | 11.92% | 0.46% | 1.90% | 85.34% |
| March 31, 2026 | $2.50B | 11.49% | 0.35% | 0.91% | 78.01% |
| December 31, 2025 | $2.47B | 10.60% | 0.56% | 1.18% | 82.56% |
| September 30, 2025 | $2.44B | 10.46% | 0.46% | 1.86% | 81.83% |
| June 30, 2025 | $2.48B | 10.03% | 0.39% | 1.09% | 80.91% |
| March 31, 2025 | $2.52B | 9.75% | 0.26% | 0.61% | 78.15% |
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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.
Elements Financial Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22468) · FFIEC NIC profile (RSSD 926388)
Frequently asked questions
Is Elements Financial Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Elements Financial Federal Credit Union's net worth ratio is 11.92%, above the 7% NCUA threshold for well capitalized.
Is Elements Financial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Elements Financial Federal Credit Union is a federally insured credit union (NCUA charter 22468): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Elements Financial Federal Credit Union's key safety ratios?
For Q2 2026, Elements Financial Federal Credit Union reports net worth 11.92%, delinquency 0.46%, ROA 1.90%, loan-to-share 85.34%.
What happens to my money if Elements Financial Federal Credit Union fails?
For Q2 2026, Elements Financial Federal Credit Union held $1.98B in shares and deposits for 102,766 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.