Indianhead Credit Union Spooner, Wisconsin
Indianhead Credit Union is a state-chartered credit union headquartered in Spooner, WI, established in 1979 (NCUA charter 66434), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,332 members and total assets of $101.2M (up 9.9% from Q2 2025), the 49th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 14.98% at Q2 2026, in the well capitalized band.
Also written as Indianhead CU
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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
- 66434
- Headquarters
- Spooner, WI
- Established
- 1979
- Total assets, Q2 2026
- $101.2M
- Assets vs Q2 2025
- +9.9%
- Members, Q2 2026
- 7,332
- Net worth ratio, Q2 2026
- 14.98%
- Latest call report
- Q2 2026, NCUA 5300 · Indianhead Credit Union call report
- Asset rank in state
- 49th of 98 in Wisconsin
- Routing number
- 291880767
- Branches
- 3
It has 146 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.51 percentage points from 14.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $34.2M of $68.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.78% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.98% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Wisconsin
Credit unions merged into Indianhead Credit Union
Fire Department Credit Union (2017) · Douglas County Credit Union (2017) · Lake Superior Refinery Credit Union (2017) · Catholic Credit Union (2017) · Water-Light Credit Union (2017)
Frequently asked about Indianhead Credit Union
How big is Indianhead Credit Union?
At Q2 2026 it reported total assets of $101.2M and 7,332 members.
Where is Indianhead Credit Union headquartered?
It is headquartered in Spooner, WI, United States.
When was Indianhead Credit Union founded?
It was established in 1979, per NCUA records.
Is Indianhead Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66434): 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 Indianhead 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 Indianhead Credit Union well capitalized?
Its net worth ratio was 14.98% 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 Indianhead Credit Union's delinquency ratio?
Its delinquency ratio was 0.78% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Indianhead Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.26% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Spooner, WI 54801
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 66434
- RSSD ID
- 592091
- Members
- 7,332
- Potential members
- 498,183
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.98% | 11.43% | 83rd top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.46% | 0.81% | 83rd top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.72% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.31% | 3.70% | 83rd top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 68.49% | 76.55% | 76th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.72% | 1.24% | 85th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.78% | 0.68% | 44th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.02% | 4.92% | 56th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 82.26% | 75.66% | 65th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$101.2M total assets against $92.1M; $83.5M total shares and deposits against $77.0M; $68.7M total loans against $60.6M.
$15.2M net worth against $13.3M.
14.98% net worth ratio against 14.47%.
82.26% loan-to-share ratio against 78.79%.
0.78% delinquency ratio against 0.66%.
1.46% return on assets against 1.89%; 9.72% return on equity against 13.09%.
4.31% net interest margin against 4.66%.
7,332 members against 7,186.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.98% | 1.46% | 0.78% | 82.26% |
| March 31, 2026 | 14.97% | 1.69% | 0.67% | 81.84% |
| December 31, 2025 | 14.72% | 2.26% | 0.79% | 80.98% |
| September 30, 2025 | 14.37% | 2.06% | 0.33% | 79.39% |
| June 30, 2025 | 14.47% | 1.89% | 0.66% | 78.79% |
| March 31, 2025 | 13.62% | 1.89% | 0.35% | 72.61% |
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.