TellerScore

Independent Federal Credit Union (NCUA charter #24171) is based in Anderson, Indiana. Its Q2 2026 call report shows $93.6M in total assets and $83.1M in member shares and deposits and 1 office.

Independent Federal Credit Union has a TellerScore of 45 out of 100 (below average) based on Q2 2026 data — higher than only 5% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 120th. Funding & liquidity contributes the most (94/100, 66% loans-to-deposits, 2% uninsured); loan quality contributes the least (0/100, 3.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.95%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.43%
Earnings35/100
Return on assets (annualized): 0.38%
Funding & liquidity94/100
Loans ÷ shares: 65.9% · 2.5% uninsured
Problem-loan coverage62/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 18.97%

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 4 points (49 → 45), mostly because the earnings component weakened by 27 points.

TellerScore
395061Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202451
Q1 202547
Q2 202549
Q3 202550
Q4 202549
Q1 202639
Q2 202645
Net worth ratio
7.00%9.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.39%
Q3 202410.47%
Q4 202410.50%
Q1 202510.56%
Q2 202510.91%
Q3 202511.24%
Q4 202511.30%
Q1 202610.67%
Q2 202610.95%
Delinquent loans (60+ days)
1.46%2.74%4.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.46%
Q3 20241.50%
Q4 20242.32%
Q1 20253.40%
Q2 20253.40%
Q3 20253.12%
Q4 20254.02%
Q1 20263.17%
Q2 20263.43%
Return on assets
-0.22%0.42%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20240.64%
Q4 20240.68%
Q1 20250.89%
Q2 20251.04%
Q3 20251.07%
Q4 20250.95%
Q1 2026-0.22%
Q2 20260.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$93.6M10.95%3.43%0.38%65.9%
Q1 202639$93.8M10.67%3.17%-0.22%68.2%
Q4 202549$89.1M11.30%4.02%0.95%72.2%
Q3 202550$89.0M11.24%3.12%1.07%74.1%
Q2 202549$89.4M10.91%3.40%1.04%74.1%
Q1 202547$89.8M10.56%3.40%0.89%73.6%
Q4 202451$88.5M10.50%2.32%0.68%75.9%
Q3 202459$87.7M10.47%1.50%0.64%77.5%
Q2 202461$88.5M10.39%1.46%0.97%77.2%

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 ratio10.95%
23rd
Problem loans3.43%
11th
Net charge-offs1.37%
9th
Return on assets0.38%
36th
Loans to deposits65.9%
40th
Uninsured deposits2.5%
40th
Loan-loss reserves0.00%
37th
Texas ratio19.0%
5th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Family Horizons Credit UnionCredit union Indianapolis, IN66 out of 100, Moderate$93.2M11.1%0.42%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 Independent Federal Credit Union?

Yes. Independent Federal Credit Union is a federally insured credit union (NCUA charter #24171). 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 2.5% of shares and deposits ($2.0M) 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 10.95%, 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

Independent Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Independent Federal Credit Union reported 82 home-loan applications under HMDA (LEI 254900PEMVJN4DS4MS43): 59 originated ($5,215,000 total), 14 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, 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
Independent Federal Credit Union
Type
Federal credit union
NCUA charter #
24171
RSSD ID
603492
Primary regulator
NCUA
Established
1971
Headquarters
3737 S Scatterfield Rd, Anderson, IN 46013
Employees
26

Quick answers

Independent Federal Credit Union: common questions

Is Independent Federal Credit Union NCUA insured?

Yes. Independent Federal Credit Union is a federally insured credit union (NCUA charter #24171). 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 Independent Federal Credit Union's TellerScore?

45 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 Independent Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Eastern Indiana Federal Credit UnionCredit union New Castle, IN84 out of 100, Strong$44.4M13.5%1.05%vs
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Kemba Indianapolis Credit UnionCredit union Indianapolis, IN82 out of 100, Strong$82.3M16.0%1.04%vs