Credit Union Safety Analysis
Is Forum Credit Union Safe? Fishers, Indiana
Based on its Q2 2026 NCUA 5300 call report, Forum Credit Union has a net worth ratio of 13.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, 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, Forum Credit Union's net worth ratio is 13.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.27%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 1.16%
- Loan-to-share ratio (Q2 2026): 100.23%
Forum Credit Union (NCUA charter 68248, established 1941) reported $2.31B in assets and 166,087 members for Q2 2026 from Fishers, Indiana. It ranks 7 of 118 credit unions in Indiana by total assets. Total assets grew 3.0% from $2.25B on June 30, 2025. It has 2,060 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.74 percentage points from 12.53% on June 30, 2025. Used vehicle loans are its largest loan category, $790.0M of $1.94B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% 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: 12.86% for Q1 2026; 12.53% 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: 0.33% for Q1 2026; 0.40% 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: 1.25% for Q1 2026; 1.17% 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: 97.03% for Q1 2026; 99.70% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $790.0M
- 1- to 4-family residential and other consumer real estate loans: $418.4M
- Commercial loans: $299.7M
- New vehicle loans: $264.3M
- Other unsecured loans and lines of credit: $91.9M
- Unsecured credit card loans: $61.6M
- Other secured non-real estate loans and lines of credit: $4.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.31B | 13.27% | 0.31% | 1.16% | 100.23% |
| March 31, 2026 | $2.34B | 12.86% | 0.33% | 1.25% | 97.03% |
| December 31, 2025 | $2.30B | 12.72% | 0.42% | 1.32% | 98.04% |
| September 30, 2025 | $2.27B | 12.67% | 0.34% | 1.07% | 99.18% |
| June 30, 2025 | $2.25B | 12.53% | 0.40% | 1.17% | 99.70% |
| March 31, 2025 | $2.25B | 12.20% | 0.39% | 1.10% | 100.06% |
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Free to use. It shows Forum Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 68248) · FFIEC NIC profile (RSSD 82275)
Frequently asked questions
Is Forum Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Forum Credit Union's net worth ratio is 13.27%, above the 7% NCUA threshold for well capitalized.
Is Forum Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Forum Credit Union is a federally insured credit union (NCUA charter 68248): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Forum Credit Union's key safety ratios?
For Q2 2026, Forum Credit Union reports net worth 13.27%, delinquency 0.31%, ROA 1.16%, loan-to-share 100.23%.
What happens to my money if Forum Credit Union fails?
For Q2 2026, Forum Credit Union held $1.94B in shares and deposits for 166,087 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.