TellerScore

Elements Financial Federal Credit Union is a federal credit union headquartered in Indianapolis, Indiana, in business for about 50 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.0B in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Elements Financial Federal Credit Union scores 77/100, which we describe as strong. That is higher than 82% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Indiana, it ranks 42nd. Its strongest component is problem-loan coverage (94/100; 3.0%), and its lowest is funding & liquidity (69/100; 85% loans-to-deposits, 21% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.92%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity69/100
Loans ÷ shares: 85.3% · 20.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.96%

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 rose 9 points (68 → 77), mostly because the earnings component improved by 22 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202467
Q1 202567
Q2 202568
Q3 202571
Q4 202570
Q1 202674
Q2 202677
Net worth ratio
7.00%9.46%11.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.07%
Q3 202410.27%
Q4 202410.36%
Q1 20259.75%
Q2 202510.03%
Q3 202510.46%
Q4 202510.60%
Q1 202611.49%
Q2 202611.92%
Delinquent loans (60+ days)
0.21%0.39%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.28%
Q4 20240.29%
Q1 20250.26%
Q2 20250.39%
Q3 20250.46%
Q4 20250.56%
Q1 20260.35%
Q2 20260.46%
Return on assets
0.54%0.97%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.54%
Q3 20240.58%
Q4 20240.60%
Q1 20250.61%
Q2 20250.85%
Q3 20251.20%
Q4 20251.19%
Q1 20260.91%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$2.5B11.92%0.46%1.40%85.3%
Q1 202674$2.5B11.49%0.35%0.91%78.0%
Q4 202570$2.5B10.60%0.56%1.19%82.6%
Q3 202571$2.4B10.46%0.46%1.20%81.8%
Q2 202568$2.5B10.03%0.39%0.85%80.9%
Q1 202567$2.5B9.75%0.26%0.61%78.1%
Q4 202467$2.3B10.36%0.29%0.60%88.2%
Q3 202468$2.3B10.27%0.28%0.58%85.1%
Q2 202468$2.3B10.07%0.21%0.54%82.4%

454 peers · $1 billion – $10 billion

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 ratio11.92%
67th
Problem loans0.46%
74th
Net charge-offs0.21%
84th
Return on assets1.40%
89th
Loans to deposits85.3%
57th
Uninsured deposits20.5%
5th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
75th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Centra Credit UnionCredit union Columbus, IN73 out of 100, Strong$2.4B12.3%0.96%vs
Forum Credit UnionCredit union Indianapolis, IN80 out of 100, Strong$2.3B13.3%0.31%vs
Purdue Federal Credit UnionCredit union West Lafayette, IN75 out of 100, Strong$2.1B11.2%0.17%vs
Indiana University Credit UnionCredit union Bloomington, IN72 out of 100, Strong$2.1B11.8%0.67%vs
Three Rivers Federal Credit UnionCredit union Fort Wayne, IN78 out of 100, Strong$2.9B13.9%1.47%vs
Interra Credit UnionCredit union Goshen, IN64 out of 100, Moderate$2.1B9.1%0.16%vs

Deposit insurance

Is my money safe at Elements Financial Federal Credit Union?

Yes. Elements Financial Federal Credit Union is a federally insured credit union (NCUA charter #22468). 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 20.5% of shares and deposits ($407.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.92%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Elements Financial Federal Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Elements Financial Federal Credit Union reported 1,994 home-loan applications under HMDA (LEI 549300NZWZUYUWEOA562): 1,409 originated ($363,115,000 total), 267 denied, and 297 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Elements Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
22468
RSSD ID
926388
Primary regulator
NCUA
Established
1976
Headquarters
Po Box 7123, Indianapolis, IN 46202
Employees
191

Quick answers

Elements Financial Federal Credit Union: common questions

Is Elements Financial Federal Credit Union NCUA insured?

Yes. Elements Financial Federal Credit Union is a federally insured credit union (NCUA charter #22468). 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 Elements Financial Federal Credit Union's TellerScore?

77 out of 100 (Strong), 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 Elements Financial Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Indianapolis

InstitutionScoreAssetsCapitalProblem loansCompare
H a L E Federal Credit UnionCredit union Indianapolis, IN100 out of 100, Very strong$399K25.1%0.00%vs
Mt Zion Indianapolis Federal Credit UnionCredit union Indianapolis, IN98 out of 100, Very strong$1.4M38.3%0.00%vs
Professional Police Officers Credit UnionCredit union Indianapolis, IN92 out of 100, Very strong$58.7M14.8%0.00%vs
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Cs Credit UnionCredit union Catawba, NC84 out of 100, Strong$30.5M18.7%0.46%vs
Greenfield Banking CompanyBank Greenfield, IN84 out of 100, Strong$930.5M13.9%0.35%vs