TellerScore

Howard County School Em Federal Credit Union (NCUA charter #16065) is based in Kokomo, Indiana. Its Q2 2026 call report shows $31.4M in total assets and $25.6M in member shares and deposits.

Based on its Q2 2026 filing, Howard County School Em Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 65th. Its strongest component is capital cushion (100/100; 18.07%), and its lowest is earnings (30/100; 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.07%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.51%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity100/100
Loans ÷ shares: 30.1% · 11.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.06%

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 (88 → 73), mostly because the loan quality component weakened by 47 points.

TellerScore
697988Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202486
Q4 202471
Q1 202579
Q2 202588
Q3 202574
Q4 202571
Q1 202669
Q2 202673
Net worth ratio
7.00%12.54%18.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.64%
Q3 202415.07%
Q4 202414.72%
Q1 202514.91%
Q2 202515.79%
Q3 202516.74%
Q4 202517.27%
Q1 202617.26%
Q2 202618.07%
Delinquent loans (60+ days)
0.05%1.32%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.08%
Q4 20241.60%
Q1 20250.20%
Q2 20250.09%
Q3 20252.35%
Q4 20252.59%
Q1 20261.25%
Q2 20261.51%
Return on assets
-0.94%0.15%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.21%
Q3 20240.33%
Q4 20240.22%
Q1 2025-0.36%
Q2 20250.59%
Q3 20251.24%
Q4 20251.18%
Q1 2026-0.94%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$31.4M18.07%1.51%0.24%30.1%
Q1 202669$32.2M17.26%1.25%-0.94%30.2%
Q4 202571$31.3M17.27%2.59%1.18%32.6%
Q3 202574$31.6M16.74%2.35%1.24%32.8%
Q2 202588$32.3M15.79%0.09%0.59%33.5%
Q1 202579$33.5M14.91%0.20%-0.36%34.1%
Q4 202471$34.3M14.72%1.60%0.22%35.3%
Q3 202486$33.4M15.07%0.08%0.33%38.2%
Q2 202484$34.0M14.64%0.05%0.21%37.4%

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 ratio18.07%
70th
Problem loans1.51%
28th
Net charge-offs0.26%
42nd
Return on assets0.24%
29th
Loans to deposits30.1%
89th
Uninsured deposits11.8%
5th
Loan-loss reserves0.00%
37th
Texas ratio2.1%
52nd

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Jackson County Co-Op Credit UnionCredit union Seymour, IN92 out of 100, Very strong$31.3M18.4%0.00%vs
Financial Health Federal Credit UnionCredit union Indianapolis, IN46 out of 100, Below average$30.2M10.4%2.20%vs
Central Soya Federal Credit UnionCredit union Decatur, IN87 out of 100, Very strong$33.2M18.4%0.19%vs
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
Lakes Federal Credit UnionCredit union Monticello, IN83 out of 100, Strong$28.0M15.2%0.92%vs
First County Federal Credit UnionCredit union Muncie, IN65 out of 100, Moderate$35.0M10.2%0.94%vs

Deposit insurance

Is my money safe at Howard County School Em Federal Credit Union?

Yes. Howard County School Em Federal Credit Union is a federally insured credit union (NCUA charter #16065). 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 11.8% of shares and deposits ($3.0M) 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 18.07%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Howard County School Em Federal Credit Union
Type
Federal credit union
NCUA charter #
16065
RSSD ID
220880
Primary regulator
NCUA
Established
1964
Headquarters
105 W Southway Blvd, Kokomo, IN 46902
Employees
3

Quick answers

Howard County School Em Federal Credit Union: common questions

Is Howard County School Em Federal Credit Union NCUA insured?

Yes. Howard County School Em Federal Credit Union is a federally insured credit union (NCUA charter #16065). 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 Howard County School Em Federal Credit Union's TellerScore?

73 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.