Credit Union Safety Analysis
Is Independent Federal Credit Union Safe? Anderson, Indiana
Based on its Q2 2026 NCUA 5300 call report, Independent Federal Credit Union has a net worth ratio of 10.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.43%, 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, Independent Federal Credit Union's net worth ratio is 10.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.95%
- Delinquency ratio (60+ days) (Q2 2026): 3.43%
- Return on assets (Q2 2026): 0.99%
- Loan-to-share ratio (Q2 2026): 65.90%
Independent Federal Credit Union (NCUA charter 24171, established 1979) reported $93.6M in assets and 6,087 members for Q2 2026 from Anderson, Indiana. It ranks 47 of 118 credit unions in Indiana by total assets. Total assets grew 4.6% from $89.4M on June 30, 2025. It has 124 fewer members than on June 30, 2025 (-2.0%). Its net worth ratio was up 0.04 percentage points from 10.91% on June 30, 2025. Used vehicle loans are its largest loan category, $24.2M of $54.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.43% is above 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: 10.67% for Q1 2026; 10.91% 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: 3.17% for Q1 2026; 3.40% 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: -0.22% for Q1 2026; 1.19% 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: 68.16% for Q1 2026; 74.08% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $24.2M
- 1- to 4-family residential and other consumer real estate loans: $18.5M
- New vehicle loans: $8.0M
- Other secured non-real estate loans and lines of credit: $2.9M
- Other unsecured loans and lines of credit: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $93.6M | 10.95% | 3.43% | 0.99% | 65.90% |
| March 31, 2026 | $93.8M | 10.67% | 3.17% | -0.22% | 68.16% |
| December 31, 2025 | $89.1M | 11.30% | 4.02% | 0.60% | 72.23% |
| September 30, 2025 | $89.0M | 11.24% | 3.12% | 1.12% | 74.07% |
| June 30, 2025 | $89.4M | 10.91% | 3.40% | 1.19% | 74.08% |
| March 31, 2025 | $89.8M | 10.56% | 3.40% | 0.89% | 73.62% |
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Free to use. It shows Independent Federal 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.
Independent Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24171) · FFIEC NIC profile (RSSD 603492)
Frequently asked questions
Is Independent Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Independent Federal Credit Union's net worth ratio is 10.95%, above the 7% NCUA threshold for well capitalized.
Is Independent Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Independent Federal Credit Union is a federally insured credit union (NCUA charter 24171): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Independent Federal Credit Union's key safety ratios?
For Q2 2026, Independent Federal Credit Union reports net worth 10.95%, delinquency 3.43%, ROA 0.99%, loan-to-share 65.90%.
What happens to my money if Independent Federal Credit Union fails?
For Q2 2026, Independent Federal Credit Union held $83.1M in shares and deposits for 6,087 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.