TellerScore

Headquartered in Indianapolis, Indiana, Family Horizons Credit Union is a federally insured state-chartered credit union with $93.2M in total assets and $82.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Family Horizons Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 83rd. Problem-loan coverage contributes the most (95/100, 2.6%); earnings contributes the least (23/100, 0.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.07%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings23/100
Return on assets (annualized): 0.07%
Funding & liquidity83/100
Loans ÷ shares: 77.4% · 5.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.60%

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 3 points (69 → 66), mostly because the funding & liquidity component weakened by 17 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202466
Q4 202465
Q1 202569
Q2 202569
Q3 202570
Q4 202568
Q1 202668
Q2 202666
Net worth ratio
7.00%9.13%11.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.79%
Q3 202410.76%
Q4 202410.62%
Q1 202510.68%
Q2 202511.15%
Q3 202511.26%
Q4 202511.19%
Q1 202610.99%
Q2 202611.07%
Delinquent loans (60+ days)
0.24%0.46%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.53%
Q4 20240.67%
Q1 20250.38%
Q2 20250.57%
Q3 20250.48%
Q4 20250.35%
Q1 20260.33%
Q2 20260.42%
Return on assets
0.07%0.16%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.20%
Q4 20240.18%
Q1 20250.25%
Q2 20250.17%
Q3 20250.12%
Q4 20250.10%
Q1 20260.07%
Q2 20260.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$93.2M11.07%0.42%0.07%77.4%
Q1 202668$93.8M10.99%0.33%0.07%70.4%
Q4 202568$92.0M11.19%0.35%0.10%71.6%
Q3 202570$91.4M11.26%0.48%0.12%54.8%
Q2 202569$92.2M11.15%0.57%0.17%55.0%
Q1 202569$96.1M10.68%0.38%0.25%58.4%
Q4 202465$96.0M10.62%0.67%0.18%69.1%
Q3 202466$94.5M10.76%0.53%0.20%74.3%
Q2 202468$93.8M10.79%0.24%0.21%79.3%

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 ratio11.07%
24th
Problem loans0.42%
62nd
Net charge-offs0.54%
25th
Return on assets0.07%
22nd
Loans to deposits77.4%
22nd
Uninsured deposits5.4%
19th
Loan-loss reserves0.00%
37th
Texas ratio2.6%
46th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Independent Federal Credit UnionCredit union Anderson, IN45 out of 100, Below average$93.6M10.9%3.43%vs
Members Source Credit UnionCredit union Merrillville, IN71 out of 100, Strong$92.0M14.0%1.83%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%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
Afena Federal Credit UnionCredit union Marion, IN52 out of 100, Below average$97.6M11.2%1.49%vs

Deposit insurance

Is my money safe at Family Horizons Credit Union?

Yes. Family Horizons Credit Union is a federally insured credit union (NCUA charter #64942). 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 5.4% of shares and deposits ($4.4M) 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 11.07%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Family Horizons Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Family Horizons Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64942
RSSD ID
117999
Primary regulator
State + NCUA
Established
1954
Headquarters
6665 E 21st St, Indianapolis, IN 46219
Employees
28

Quick answers

Family Horizons Credit Union: common questions

Is Family Horizons Credit Union NCUA insured?

Yes. Family Horizons Credit Union is a federally insured credit union (NCUA charter #64942). 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 Family Horizons Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Family Horizons Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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