TellerScore

Headquartered in Evansville, Indiana, Evansville Federal Credit Union is a federal credit union with $90.2M in total assets and $76.9M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1961.

Based on its Q2 2026 filing, Evansville Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 59th. Its strongest component is funding & liquidity (98/100; 62% loans-to-deposits, 6% uninsured), and its lowest is earnings (48/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.52%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.50%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity98/100
Loans ÷ shares: 62.1% · 5.9% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.45%

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 15 points (89 → 74), mostly because the loan quality component weakened by 48 points.

TellerScore
748289Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202485
Q3 202484
Q4 202484
Q1 202586
Q2 202589
Q3 202582
Q4 202577
Q1 202676
Q2 202674
Net worth ratio
7.00%10.76%14.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202413.86%
Q3 202414.00%
Q4 202413.66%
Q1 202513.25%
Q2 202513.92%
Q3 202514.26%
Q4 202514.11%
Q1 202614.25%
Q2 202614.52%
Delinquent loans (60+ days)
0.05%0.77%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.19%
Q4 20240.22%
Q1 20250.13%
Q2 20250.05%
Q3 20250.90%
Q4 20251.40%
Q1 20261.27%
Q2 20261.50%
Return on assets
0.66%0.90%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.86%
Q3 20240.81%
Q4 20240.81%
Q1 20251.01%
Q2 20251.14%
Q3 20251.11%
Q4 20251.02%
Q1 20260.66%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$90.2M14.52%1.50%0.69%62.1%
Q1 202676$90.8M14.25%1.27%0.66%61.0%
Q4 202577$90.6M14.11%1.40%1.02%61.0%
Q3 202582$88.0M14.26%0.90%1.11%62.6%
Q2 202589$88.5M13.92%0.05%1.14%64.3%
Q1 202586$91.0M13.25%0.13%1.01%61.4%
Q4 202484$86.6M13.66%0.22%0.81%65.2%
Q3 202484$83.4M14.00%0.19%0.81%68.9%
Q2 202485$83.2M13.86%0.19%0.86%69.1%

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 ratio14.52%
51st
Problem loans1.50%
29th
Net charge-offs0.01%
67th
Return on assets0.69%
52nd
Loans to deposits62.1%
45th
Uninsured deposits5.9%
17th
Loan-loss reserves0.00%
37th
Texas ratio5.4%
27th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Lampco Federal Credit UnionCredit union Anderson, IN56 out of 100, Moderate$89.6M9.7%0.89%vs
Members Source Credit UnionCredit union Merrillville, IN71 out of 100, Strong$92.0M14.0%1.83%vs
Firefighters Credit UnionCredit union Indianapolis, IN79 out of 100, Strong$88.1M12.6%0.27%vs
Family Horizons Credit UnionCredit union Indianapolis, IN66 out of 100, Moderate$93.2M11.1%0.42%vs
Independent Federal Credit UnionCredit union Anderson, IN45 out of 100, Below average$93.6M10.9%3.43%vs
Public Service #3 Credit UnionCredit union Fort Wayne, IN71 out of 100, Strong$86.9M11.7%0.89%vs

Deposit insurance

Is my money safe at Evansville Federal Credit Union?

Yes. Evansville Federal Credit Union is a federally insured credit union (NCUA charter #14562). 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 5.9% of shares and deposits ($4.5M) 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 14.52%, well 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

Evansville Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Evansville Federal Credit Union reported 38 home-loan applications under HMDA (LEI 549300I5PXYKWZSGG235): 28 originated ($4,090,000 total), 9 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.3%, 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
Evansville Federal Credit Union
Type
Federal credit union
NCUA charter #
14562
RSSD ID
19280
Primary regulator
NCUA
Established
1961
Headquarters
PO Box 0651, Evansville, IN 47704
Employees
22

Quick answers

Evansville Federal Credit Union: common questions

Is Evansville Federal Credit Union NCUA insured?

Yes. Evansville Federal Credit Union is a federally insured credit union (NCUA charter #14562). 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 Evansville Federal Credit Union's TellerScore?

74 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 Evansville Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Evansville

InstitutionScoreAssetsCapitalProblem loansCompare
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Freedom BankBank Huntingburg, IN82 out of 100, Strong$585.7M12.6%0.23%vs
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs
Heritage Federal Credit UnionCredit union Newburgh, IN77 out of 100, Strong$1.0B12.3%0.33%vs