Side-by-side · Q2 2026 data
Independent Federal Credit Union vs Family Horizons Credit Union
Credit union
Independent Federal Credit Union
Anderson, Indiana · Under $100 million in assets
Credit union
Family Horizons Credit Union
Indianapolis, Indiana · Under $100 million in assets
Metric by metric
| Measure | Independent Federal Credit Union | Family Horizons Credit Union |
|---|---|---|
| TellerScore | 45 | 66 (stronger) |
| Capital cushion | 60 | 61 (stronger) |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 35 (stronger) | 23 |
| Funding & liquidity | 94 (stronger) | 83 |
| Problem-loan coverage | 62 | 95 (stronger) |
| Peer percentile | 5th | 32nd |
| Total assets | $93.6M | $93.2M |
| Deposits / shares | $83.1M | $82.3M |
| Capital ratio | 10.95% | 11.07% (stronger) |
| Problem loans | 3.43% | 0.42% (stronger) |
| Net charge-offs | 1.37% | 0.54% (stronger) |
| Return on assets | 0.38% (stronger) | 0.07% |
| Loans ÷ deposits | 65.9% (stronger) | 77.4% |
| Uninsured deposits | 2.5% (stronger) | 5.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | — |
Family Horizons Credit Union has the higher TellerScore (66 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Independent Federal Credit Union leads on 3 and Family Horizons Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.