Indiana University Credit Union Bloomington, Indiana
Indiana University Credit Union is a state-chartered credit union headquartered in Bloomington, IN, established in 1978 (NCUA charter 68577), and it is regulated and insured by the NCUA. At Q2 2026 it reported 72,046 members and total assets of $2.09B (up 10.4% from Q2 2025), the 9th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 11.80% at Q2 2026, in the well capitalized band.
Also written as Indiana University CU · Trade name filed with the NCUA: None
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68577
- Headquarters
- Bloomington, IN
- Established
- 1978
- Total assets, Q2 2026
- $2.09B
- Assets vs Q2 2025
- +10.4%
- Members, Q2 2026
- 72,046
- Net worth ratio, Q2 2026
- 11.80%
- Latest call report
- Q2 2026, NCUA 5300 · Indiana University Credit Union call report
- Asset rank in state
- 9th of 118 in Indiana
- Routing number
- 274972744
- Branches
- 8
It has 980 more members than on June 30, 2025 (+1.4%). Its net worth ratio was down 0.20 percentage points from 12.00% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $684.6M of $1.58B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.67% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.80% net worth ratio is above that band's 10.89% median.
Frequently asked about Indiana University Credit Union
How big is Indiana University Credit Union?
At Q2 2026 it reported total assets of $2.09B and 72,046 members.
Where is Indiana University Credit Union headquartered?
It is headquartered in Bloomington, IN, United States.
When was Indiana University Credit Union founded?
It was established in 1978, per NCUA records.
Is Indiana University Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68577): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Indiana University Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Indiana University Credit Union well capitalized?
Its net worth ratio was 11.80% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Indiana University Credit Union's delinquency ratio?
Its delinquency ratio was 0.67% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Indiana University Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.51% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bloomington, IN 47401
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1978
- NCUA Charter #
- 68577
- RSSD ID
- 31394
- Members
- 72,046
- Potential members
- 6,018,482
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.80% | 10.89% | 63rd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.13% | 0.89% | 67th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.57% | 8.07% | 63rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.88% | 3.45% | 19th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.78% | 70.59% | 78th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.15% | 1.68% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.67% | 0.68% | 51st above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.03% | 5.12% | 45th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 88.51% | 88.03% | 52nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.09B total assets against $1.89B; $1.78B total shares and deposits against $1.60B; $1.58B total loans against $1.43B.
$247.0M net worth against $227.5M.
11.80% net worth ratio against 12.00%.
88.51% loan-to-share ratio against 89.30%.
0.67% delinquency ratio against 0.66%.
1.13% return on assets against 1.02%; 9.57% return on equity against 8.52%.
2.88% net interest margin against 2.68%.
72,046 members against 71,066.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.80% | 1.13% | 0.67% | 88.51% |
| March 31, 2026 | 11.71% | 1.01% | 0.70% | 86.22% |
| December 31, 2025 | 11.94% | 0.88% | 0.74% | 88.71% |
| September 30, 2025 | 11.97% | 1.02% | 0.65% | 88.26% |
| June 30, 2025 | 12.00% | 1.02% | 0.66% | 89.30% |
| March 31, 2025 | 11.95% | 0.95% | 0.62% | 88.26% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.