Credit Union Safety Analysis
Is Indiana Members Credit Union Safe? Indianapolis, Indiana
Based on its Q2 2026 NCUA 5300 call report, Indiana Members Credit Union has a net worth ratio of 10.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.49%, 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 Members Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.49%
- Return on assets (Q2 2026): 1.27%
- Loan-to-share ratio (Q2 2026): 70.56%
Indiana Members Credit Union (NCUA charter 68259, established 1956) reported $3.60B in assets and 166,561 members for Q2 2026 from Indianapolis, Indiana. It ranks 3 of 118 credit unions in Indiana by total assets. Total assets grew 4.8% from $3.44B on June 30, 2025. It has 3,379 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.41 percentage points from 10.15% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $975.6M of $2.21B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.49% 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: 10.54% for Q1 2026; 10.15% 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: 0.43% for Q1 2026; 0.31% 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: 0.96% for Q1 2026; 0.85% 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: 68.86% for Q1 2026; 65.25% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $975.6M
- Commercial loans: $567.5M
- Used vehicle loans: $432.2M
- New vehicle loans: $115.2M
- Other secured non-real estate loans and lines of credit: $54.2M
- Unsecured credit card loans: $54.1M
- Other unsecured loans and lines of credit: $7.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.60B | 10.56% | 0.49% | 1.27% | 70.56% |
| March 31, 2026 | $3.54B | 10.54% | 0.43% | 0.96% | 68.86% |
| December 31, 2025 | $3.53B | 10.33% | 0.42% | 1.04% | 69.33% |
| September 30, 2025 | $3.43B | 10.36% | 0.40% | 0.80% | 67.59% |
| June 30, 2025 | $3.44B | 10.15% | 0.31% | 0.85% | 65.25% |
| March 31, 2025 | $3.41B | 10.41% | 0.32% | 0.80% | 63.39% |
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Free to use. It shows Indiana Members 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.
Indiana Members Credit Union profile
Regulator records: NCUA credit union profile (charter 68259) · FFIEC NIC profile (RSSD 215484)
Frequently asked questions
Is Indiana Members Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Indiana Members Credit Union's net worth ratio is 10.56%, above the 7% NCUA threshold for well capitalized.
Is Indiana Members Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Indiana Members Credit Union is a federally insured credit union (NCUA charter 68259): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Indiana Members Credit Union's key safety ratios?
For Q2 2026, Indiana Members Credit Union reports net worth 10.56%, delinquency 0.49%, ROA 1.27%, loan-to-share 70.56%.
What happens to my money if Indiana Members Credit Union fails?
For Q2 2026, Indiana Members Credit Union held $3.14B in shares and deposits for 166,561 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.