Credit Union Safety Analysis
Is Indiana University Credit Union Safe? Bloomington, Indiana
Based on its Q2 2026 NCUA 5300 call report, Indiana University Credit Union has a net worth ratio of 11.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.67%, 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 University Credit Union's net worth ratio is 11.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.80%
- Delinquency ratio (60+ days) (Q2 2026): 0.67%
- Return on assets (Q2 2026): 1.13%
- Loan-to-share ratio (Q2 2026): 88.51%
Indiana University Credit Union (NCUA charter 68577, established 1978) reported $2.09B in assets and 72,046 members for Q2 2026 from Bloomington, Indiana. It ranks 9 of 118 credit unions in Indiana by total assets. Total assets grew 10.4% from $1.89B on June 30, 2025. 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.
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: 11.71% for Q1 2026; 12.00% 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: 0.70% for Q1 2026; 0.66% 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: 1.01% for Q1 2026; 1.02% 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: 86.22% for Q1 2026; 89.30% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $684.6M
- Commercial loans: $554.1M
- Used vehicle loans: $197.2M
- New vehicle loans: $103.2M
- Unsecured credit card loans: $17.0M
- Other unsecured loans and lines of credit: $11.2M
- Other secured non-real estate loans and lines of credit: $8.9M
- Non-federally guaranteed student loans: $1.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.09B | 11.80% | 0.67% | 1.13% | 88.51% |
| March 31, 2026 | $2.06B | 11.71% | 0.70% | 1.01% | 86.22% |
| December 31, 2025 | $1.97B | 11.94% | 0.74% | 0.88% | 88.71% |
| September 30, 2025 | $1.94B | 11.97% | 0.65% | 1.02% | 88.26% |
| June 30, 2025 | $1.89B | 12.00% | 0.66% | 1.02% | 89.30% |
| March 31, 2025 | $1.86B | 11.95% | 0.62% | 0.95% | 88.26% |
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Free to use. It shows Indiana University 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 University Credit Union profile
Regulator records: NCUA credit union profile (charter 68577) · FFIEC NIC profile (RSSD 31394)
Frequently asked questions
Is Indiana University Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Indiana University Credit Union's net worth ratio is 11.80%, above the 7% NCUA threshold for well capitalized.
Is Indiana University Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Indiana University Credit Union is a federally insured credit union (NCUA charter 68577): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Indiana University Credit Union's key safety ratios?
For Q2 2026, Indiana University Credit Union reports net worth 11.80%, delinquency 0.67%, ROA 1.13%, loan-to-share 88.51%.
What happens to my money if Indiana University Credit Union fails?
For Q2 2026, Indiana University Credit Union held $1.78B in shares and deposits for 72,046 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.