TellerScore

Headquartered in Indianapolis, Indiana, H a L E Federal Credit Union is a federal credit union with $399K in total assets and $295K in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.

H a L E Federal Credit Union has a TellerScore of 100 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 3rd. Its five components are fairly even, ranging from 100 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.15%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 4.12%
Funding & liquidity100/100
Loans ÷ shares: 51.8% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 4 points (96 → 100), mostly because the loan quality component improved by 12 points.

TellerScore
6985100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202495
Q4 202469
Q1 202570
Q2 202596
Q3 202596
Q4 202597
Q1 202680
Q2 2026100
Net worth ratio
7.00%16.07%25.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.44%
Q3 202422.44%
Q4 202418.20%
Q1 202519.98%
Q2 202523.25%
Q3 202522.41%
Q4 202521.88%
Q1 202622.14%
Q2 202625.15%
Delinquent loans (60+ days)
0.00%0.56%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20241.06%
Q1 20251.13%
Q2 20250.37%
Q3 20250.46%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-19.56%-5.58%8.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20243.07%
Q4 2024-19.56%
Q1 2025-0.54%
Q2 20258.41%
Q3 20253.37%
Q4 20251.57%
Q1 2026-1.07%
Q2 20264.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 2026100$399K25.15%0.00%4.12%51.8%
Q1 202680$407K22.14%0.00%-1.07%52.8%
Q4 202597$417K21.88%0.00%1.57%54.9%
Q3 202596$429K22.41%0.46%3.37%47.2%
Q2 202596$448K23.25%0.37%8.41%62.8%
Q1 202570$499K19.98%1.13%-0.54%61.0%
Q4 202469$469K18.20%1.06%-19.56%73.3%
Q3 202495$748K22.44%0.00%3.07%93.7%
Q2 202487$748K22.44%0.00%0.94%93.7%

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 ratio25.15%
89th
Problem loans0.00%
94th
Net charge-offs-10.05%
100th
Return on assets4.12%
100th
Loans to deposits51.8%
61st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Gary Municipal Employees Federal Credit UnionCredit union Gary, IN54 out of 100, Below average$537K40.6%7.73%vs
Battery Employees Federal Credit UnionCredit union Attica, IN74 out of 100, Strong$847K29.3%2.64%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
Gary Police Department Employees Federal Credit UnionCredit union Gary, IN80 out of 100, Strong$1.2M41.4%0.00%vs
Hobart Ind School Employees Federal Credit UnionCredit union Hobart, IN25 out of 100, Low$1.3M-34.8%40.21%vs
Hammond Firefighters Assn. Credit UnionCredit union Hammond, IN76 out of 100, Strong$1.3M28.9%1.41%vs

Deposit insurance

Is my money safe at H a L E Federal Credit Union?

Yes. H a L E Federal Credit Union is a federally insured credit union (NCUA charter #10778). 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 0.0% of shares and deposits ($0) 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 25.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

H a L E Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
H a L E Federal Credit Union
Type
Federal credit union
NCUA charter #
10778
RSSD ID
835789
Primary regulator
NCUA
Established
1956
Headquarters
5745 Lee Rd, Indianapolis, IN 46216
Employees
1

Quick answers

H a L E Federal Credit Union: common questions

Is H a L E Federal Credit Union NCUA insured?

Yes. H a L E Federal Credit Union is a federally insured credit union (NCUA charter #10778). 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 H a L E Federal Credit Union's TellerScore?

100 out of 100 (Very 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 H a L E Federal Credit Union have?

1 office as of the latest NCUA data.

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