Credit Union Safety Analysis
Is Family Horizons Credit Union Safe? Indianapolis, Indiana
Based on its Q2 2026 NCUA 5300 call report, Family Horizons Credit Union has a net worth ratio of 11.07%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.42%, 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, Family Horizons Credit Union's net worth ratio is 11.07%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.07%
- Delinquency ratio (60+ days) (Q2 2026): 0.42%
- Return on assets (Q2 2026): 0.06%
- Loan-to-share ratio (Q2 2026): 77.44%
Family Horizons Credit Union (NCUA charter 64942, established 1954) reported $93.2M in assets and 8,803 members for Q2 2026 from Indianapolis, Indiana. It ranks 48 of 118 credit unions in Indiana by total assets. Total assets grew 1.2% from $92.2M on June 30, 2025. It has 704 fewer members than on June 30, 2025 (-7.4%). Its net worth ratio was down 0.08 percentage points from 11.15% on June 30, 2025. Used vehicle loans are its largest loan category, $33.1M of $63.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 10.99% for Q1 2026; 11.15% 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 Q1 2026; 0.57% 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: 0.07% for Q1 2026; 0.09% 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: 70.43% for Q1 2026; 55.05% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $33.1M
- 1- to 4-family residential and other consumer real estate loans: $12.0M
- New vehicle loans: $9.1M
- Other unsecured loans and lines of credit: $8.8M
- Unsecured credit card loans: $591K
- Other secured non-real estate loans and lines of credit: $147K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $93.2M | 11.07% | 0.42% | 0.06% | 77.44% |
| March 31, 2026 | $93.8M | 10.99% | 0.33% | 0.07% | 70.43% |
| December 31, 2025 | $92.0M | 11.19% | 0.35% | 0.02% | 71.57% |
| September 30, 2025 | $91.4M | 11.26% | 0.48% | 0.02% | 54.77% |
| June 30, 2025 | $92.2M | 11.15% | 0.57% | 0.09% | 55.05% |
| March 31, 2025 | $96.1M | 10.68% | 0.38% | 0.25% | 58.36% |
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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.
Family Horizons Credit Union profile
Regulator records: NCUA credit union profile (charter 64942) · FFIEC NIC profile (RSSD 117999)
Frequently asked questions
Is Family Horizons Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Family Horizons Credit Union's net worth ratio is 11.07%, above the 7% NCUA threshold for well capitalized.
Is Family Horizons Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Family Horizons Credit Union is a federally insured credit union (NCUA charter 64942): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Family Horizons Credit Union's key safety ratios?
For Q2 2026, Family Horizons Credit Union reports net worth 11.07%, delinquency 0.42%, ROA 0.06%, loan-to-share 77.44%.
What happens to my money if Family Horizons Credit Union fails?
For Q2 2026, Family Horizons Credit Union held $82.3M in shares and deposits for 8,803 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.