TellerScore

Afena Federal Credit Union is a federal credit union headquartered in Marion, Indiana, in business for about 68 years. At the end of Q2 2026 it reported $97.6M in total assets and $85.6M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Afena Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 113th. Its strongest component is funding & liquidity (86/100; 74% loans-to-deposits, 5% uninsured), and its lowest is earnings (1/100; -0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.16%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.49%
Earnings1/100
Return on assets (annualized): -0.46%
Funding & liquidity86/100
Loans ÷ shares: 74.3% · 4.7% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.35%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 13 points (65 → 52), mostly because the earnings component weakened by 32 points.

TellerScore
525965Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202464
Q4 202463
Q1 202557
Q2 202565
Q3 202561
Q4 202553
Q1 202657
Q2 202652
Net worth ratio
7.00%9.55%12.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.51%
Q3 202411.63%
Q4 202411.72%
Q1 202511.34%
Q2 202511.62%
Q3 202512.10%
Q4 202511.67%
Q1 202611.54%
Q2 202611.16%
Delinquent loans (60+ days)
0.72%1.20%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.74%
Q4 20240.88%
Q1 20250.89%
Q2 20250.95%
Q3 20251.45%
Q4 20251.67%
Q1 20261.48%
Q2 20261.49%
Return on assets
-0.52%-0.10%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.00%
Q3 20240.10%
Q4 20240.10%
Q1 2025-0.52%
Q2 20250.31%
Q3 20250.21%
Q4 2025-0.38%
Q1 2026-0.16%
Q2 2026-0.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$97.6M11.16%1.49%-0.46%74.3%
Q1 202657$96.2M11.54%1.48%-0.16%70.9%
Q4 202553$94.0M11.67%1.67%-0.38%76.3%
Q3 202561$95.2M12.10%1.45%0.21%78.6%
Q2 202565$99.2M11.62%0.95%0.31%77.6%
Q1 202557$100.4M11.34%0.89%-0.52%79.3%
Q4 202463$97.0M11.72%0.88%0.10%85.0%
Q3 202464$98.0M11.63%0.74%0.10%84.8%
Q2 202463$98.3M11.51%0.72%-0.00%84.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.16%
25th
Problem loans1.49%
29th
Net charge-offs1.14%
12th
Return on assets-0.46%
11th
Loans to deposits74.3%
27th
Uninsured deposits4.7%
23rd
Loan-loss reserves0.00%
37th
Texas ratio9.3%
15th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs
Independent Federal Credit UnionCredit union Anderson, IN45 out of 100, Below average$93.6M10.9%3.43%vs
Family Horizons Credit UnionCredit union Indianapolis, IN66 out of 100, Moderate$93.2M11.1%0.42%vs
Members Source Credit UnionCredit union Merrillville, IN71 out of 100, Strong$92.0M14.0%1.83%vs
Evansville Federal Credit UnionCredit union Evansville, IN74 out of 100, Strong$90.2M14.5%1.50%vs
Lampco Federal Credit UnionCredit union Anderson, IN56 out of 100, Moderate$89.6M9.7%0.89%vs

Deposit insurance

Is my money safe at Afena Federal Credit Union?

Yes. Afena Federal Credit Union is a federally insured credit union (NCUA charter #12153). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.7% of shares and deposits ($4.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.16%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Afena Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Afena Federal Credit Union
Type
Federal credit union
NCUA charter #
12153
RSSD ID
529985
Primary regulator
NCUA
Established
1958
Headquarters
935 N Baldwin Ave, Marion, IN 46952
Employees
31

Quick answers

Afena Federal Credit Union: common questions

Is Afena Federal Credit Union NCUA insured?

Yes. Afena Federal Credit Union is a federally insured credit union (NCUA charter #12153). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Afena Federal Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Afena Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Marion

InstitutionScoreAssetsCapitalProblem loansCompare
Fo Me Bo Co Federal Credit UnionCredit union Wabash, IN98 out of 100, Very strong$3.8M17.3%0.00%vs
Fortress Federal Credit UnionCredit union Marion, IN88 out of 100, Very strong$22.3M17.6%0.08%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
Riverside Community Federal Credit UnionCredit union Marion, IN79 out of 100, Strong$59.6M14.7%1.13%vs
Midwest America Federal Credit UnionCredit union Fort Wayne, IN79 out of 100, Strong$1.0B14.8%0.90%vs
Via Credit UnionCredit union Marion, IN76 out of 100, Strong$604.4M13.2%0.62%vs