TellerScore

Financial Health Federal Credit Union is a federal credit union headquartered in Indianapolis, Indiana, in business for about 55 years. At the end of Q2 2026 it reported $30.2M in total assets and $27.0M in member shares and deposits, with 2 offices.

Financial Health Federal Credit Union has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 119th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 1% uninsured); earnings contributes the least (0/100, -3.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.41%
Loan quality27/100
Loans 60+ days delinquent ÷ total loans: 2.20%
Earnings0/100
Return on assets (annualized): -3.54%
Funding & liquidity100/100
Loans ÷ shares: 46.4% · 0.7% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.75%

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 7 points (53 → 46), mostly because the earnings component weakened by 20 points.

TellerScore
405162Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202456
Q1 202555
Q2 202553
Q3 202556
Q4 202551
Q1 202640
Q2 202646
Net worth ratio
7.00%9.50%12.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.15%
Q3 202411.22%
Q4 202411.32%
Q1 202510.90%
Q2 202510.96%
Q3 202512.01%
Q4 202511.90%
Q1 202610.58%
Q2 202610.41%
Delinquent loans (60+ days)
1.10%2.69%4.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.10%
Q3 20241.58%
Q4 20242.14%
Q1 20252.91%
Q2 20252.04%
Q3 20253.67%
Q4 20254.28%
Q1 20263.08%
Q2 20262.20%
Return on assets
-4.42%-1.60%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.54%
Q4 20240.32%
Q1 20251.22%
Q2 2025-0.01%
Q3 20251.12%
Q4 20250.60%
Q1 2026-4.42%
Q2 2026-3.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$30.2M10.41%2.20%-3.54%46.4%
Q1 202640$31.5M10.58%3.08%-4.42%43.9%
Q4 202551$30.9M11.90%4.28%0.60%50.3%
Q3 202556$31.3M12.01%3.67%1.12%50.1%
Q2 202553$31.9M10.96%2.04%-0.01%50.8%
Q1 202555$33.0M10.90%2.91%1.22%45.6%
Q4 202456$30.9M11.32%2.14%0.32%53.3%
Q3 202462$31.4M11.22%1.58%0.54%51.9%
Q2 202462$34.1M10.15%1.10%0.36%50.7%

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 ratio10.41%
19th
Problem loans2.20%
19th
Net charge-offs6.89%
1st
Return on assets-3.54%
2nd
Loans to deposits46.4%
69th
Uninsured deposits0.7%
57th
Loan-loss reserves0.00%
37th
Texas ratio8.8%
16th

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Deposit insurance

Is my money safe at Financial Health Federal Credit Union?

Yes. Financial Health Federal Credit Union is a federally insured credit union (NCUA charter #20793). 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 0.7% of shares and deposits ($181K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.41%, 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

Financial Health Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Financial Health Federal Credit Union
Type
Federal credit union
NCUA charter #
20793
RSSD ID
978789
Primary regulator
NCUA
Established
1971
Headquarters
P.O. Box 1367, Indianapolis, IN 46202
Employees
19

Quick answers

Financial Health Federal Credit Union: common questions

Is Financial Health Federal Credit Union NCUA insured?

Yes. Financial Health Federal Credit Union is a federally insured credit union (NCUA charter #20793). 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 Financial Health Federal Credit Union's TellerScore?

46 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 Financial Health Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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