Vulcraft Employees Federal Credit Union Saint Joseph, Indiana
Vulcraft Employees Federal Credit Union is a federal credit union headquartered in Saint Joseph, IN, established in 1979 (NCUA charter 23287), and it is regulated and insured by the NCUA. At Q2 2026 it reported 744 members and total assets of $6.4M (up 1.7% from Q2 2025), the 105th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 13.78% at Q2 2026, in the well capitalized band.
Also written as Vulcraft Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23287
- Headquarters
- Saint Joseph, IN
- Established
- 1979
- Total assets, Q2 2026
- $6.4M
- Assets vs Q2 2025
- +1.7%
- Members, Q2 2026
- 744
- Net worth ratio, Q2 2026
- 13.78%
- Latest call report
- Q2 2026, NCUA 5300 · Vulcraft Employees Federal Credit Union call report
- Asset rank in state
- 105th of 118 in Indiana
- Routing number
- 274986659
- Branches
- 3
It has 14 more members than on June 30, 2025 (+1.9%). Its net worth ratio was up 0.73 percentage points from 13.05% on June 30, 2025. Used vehicle loans are its largest loan category, $2.9M of $4.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.25% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.78% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Indiana
Frequently asked about Vulcraft Employees Federal Credit Union
How big is Vulcraft Employees Federal Credit Union?
At Q2 2026 it reported total assets of $6.4M and 744 members.
Where is Vulcraft Employees Federal Credit Union headquartered?
It is headquartered in Saint Joseph, IN, United States.
When was Vulcraft Employees Federal Credit Union founded?
It was established in 1979, per NCUA records.
Is Vulcraft Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23287): 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 Vulcraft Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Vulcraft Employees Federal Credit Union well capitalized?
Its net worth ratio was 13.78% 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 Vulcraft Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.25% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Vulcraft Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 88.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Joseph, IN 46785
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 23287
- RSSD ID
- 927581
- Members
- 744
- Potential members
- 1,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.78% | 14.31% | 46th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.03% | 0.72% | 63rd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.47% | 4.74% | 67th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.53% | 3.93% | 34th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 70.86% | 79.83% | 69th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.79% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.25% | 0.86% | 41st below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.32% | 4.70% | 75th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 88.62% | 58.92% | 89th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.4M total assets against $6.3M; $5.5M total shares and deposits against $5.5M; $4.9M total loans against $4.7M.
$887K net worth against $827K.
13.78% net worth ratio against 13.05%.
88.62% loan-to-share ratio against 86.04%.
1.25% delinquency ratio against 1.19%.
1.03% return on assets against 1.58%; 7.47% return on equity against 12.07%.
3.53% net interest margin against 3.65%.
744 members against 730.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.78% | 1.03% | 1.25% | 88.62% |
| March 31, 2026 | 13.45% | 0.65% | 1.22% | 91.58% |
| December 31, 2025 | 14.09% | 1.14% | 1.23% | 97.80% |
| September 30, 2025 | 13.53% | 0.92% | 1.31% | 90.68% |
| June 30, 2025 | 13.05% | 1.58% | 1.19% | 86.04% |
| March 31, 2025 | 13.03% | 0.88% | 1.42% | 89.27% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.