Credit Union Safety Analysis
Is Indianhead Credit Union Safe? Spooner, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Indianhead Credit Union has a net worth ratio of 14.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.78%, 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, Indianhead Credit Union's net worth ratio is 14.98%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.98%
- Delinquency ratio (60+ days) (Q2 2026): 0.78%
- Return on assets (Q2 2026): 1.46%
- Loan-to-share ratio (Q2 2026): 82.26%
Indianhead Credit Union (NCUA charter 66434, established 1979) reported $101.2M in assets and 7,332 members for Q2 2026 from Spooner, Wisconsin. It ranks 49 of 98 credit unions in Wisconsin by total assets. Total assets grew 9.9% from $92.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.97% for Q1 2026; 14.47% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.67% for Q1 2026; 0.66% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.69% for Q1 2026; 1.89% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 81.84% for Q1 2026; 78.79% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $34.2M
- Used vehicle loans: $23.2M
- New vehicle loans: $5.9M
- Other secured non-real estate loans and lines of credit: $5.1M
- Other unsecured loans and lines of credit: $295K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $101.2M | 14.98% | 0.78% | 1.46% | 82.26% |
| March 31, 2026 | $98.8M | 14.97% | 0.67% | 1.69% | 81.84% |
| December 31, 2025 | $97.7M | 14.72% | 0.79% | 2.26% | 80.98% |
| September 30, 2025 | $96.2M | 14.37% | 0.33% | 2.06% | 79.39% |
| June 30, 2025 | $92.1M | 14.47% | 0.66% | 1.89% | 78.79% |
| March 31, 2025 | $94.6M | 13.62% | 0.35% | 1.89% | 72.61% |
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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.
Indianhead Credit Union profile
Regulator records: NCUA credit union profile (charter 66434) · FFIEC NIC profile (RSSD 592091)
Frequently asked questions
Is Indianhead Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Indianhead Credit Union's net worth ratio is 14.98%, above the 7% NCUA threshold for well capitalized.
Is Indianhead Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Indianhead Credit Union is a federally insured credit union (NCUA charter 66434): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Indianhead Credit Union's key safety ratios?
For Q2 2026, Indianhead Credit Union reports net worth 14.98%, delinquency 0.78%, ROA 1.46%, loan-to-share 82.26%.
What happens to my money if Indianhead Credit Union fails?
For Q2 2026, Indianhead Credit Union held $83.5M in shares and deposits for 7,332 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.