Credit Union Safety Analysis
Is Indiana Heartland Federal Credit Union Safe? Kokomo, Indiana
Based on its Q2 2026 NCUA 5300 call report, Indiana Heartland Federal Credit Union has a net worth ratio of 11.57%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.94%, 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, Indiana Heartland Federal Credit Union's net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.57%
- Delinquency ratio (60+ days) (Q2 2026): 2.94%
- Return on assets (Q2 2026): 1.56%
- Loan-to-share ratio (Q2 2026): 82.18%
Indiana Heartland Federal Credit Union (NCUA charter 24108, established 1979) reported $49.7M in assets and 5,415 members for Q2 2026 from Kokomo, Indiana. It ranks 65 of 118 credit unions in Indiana by total assets. Total assets grew 9.7% from $45.3M on June 30, 2025. It has 368 more members than on June 30, 2025 (+7.3%). Its net worth ratio was up 0.66 percentage points from 10.91% on June 30, 2025. Used vehicle loans are its largest loan category, $20.4M of $35.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.94% 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: 11.33% 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: 2.49% for Q1 2026; 2.58% 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: 1.78% for Q1 2026; 2.73% 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: 80.85% for Q1 2026; 86.29% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.4M
- New vehicle loans: $6.9M
- Other secured non-real estate loans and lines of credit: $3.8M
- Other unsecured loans and lines of credit: $2.6M
- 1- to 4-family residential and other consumer real estate loans: $1.7M
- Unsecured credit card loans: $372K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $49.7M | 11.57% | 2.94% | 1.56% | 82.18% |
| March 31, 2026 | $49.1M | 11.33% | 2.49% | 1.78% | 80.85% |
| December 31, 2025 | $49.1M | 10.87% | 2.73% | 1.25% | 81.13% |
| September 30, 2025 | $45.9M | 11.31% | 2.46% | 2.10% | 87.93% |
| June 30, 2025 | $45.3M | 10.91% | 2.58% | 2.73% | 86.29% |
| March 31, 2025 | $43.3M | 10.87% | 2.63% | 0.77% | 87.98% |
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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.
Indiana Heartland Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24108) · FFIEC NIC profile (RSSD 310192)
Frequently asked questions
Is Indiana Heartland Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Indiana Heartland Federal Credit Union's net worth ratio is 11.57%, above the 7% NCUA threshold for well capitalized.
Is Indiana Heartland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Indiana Heartland Federal Credit Union is a federally insured credit union (NCUA charter 24108): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Indiana Heartland Federal Credit Union's key safety ratios?
For Q2 2026, Indiana Heartland Federal Credit Union reports net worth 11.57%, delinquency 2.94%, ROA 1.56%, loan-to-share 82.18%.
What happens to my money if Indiana Heartland Federal Credit Union fails?
For Q2 2026, Indiana Heartland Federal Credit Union held $43.5M in shares and deposits for 5,415 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.