TellerScore

Headquartered in Kokomo, Indiana, Indiana Heartland Federal Credit Union is a federal credit union with $49.7M in total assets and $43.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1972.

Indiana Heartland Federal Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 108th. Earnings contributes the most (86/100, 1.66%); loan quality contributes the least (2/100, 2.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.57%
Loan quality2/100
Loans 60+ days delinquent ÷ total loans: 2.94%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity78/100
Loans ÷ shares: 82.2% · 0.6% uninsured
Problem-loan coverage62/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 19.13%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 55).

TellerScore
475664Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202464
Q4 202447
Q1 202548
Q2 202556
Q3 202559
Q4 202555
Q1 202660
Q2 202655
Net worth ratio
7.00%9.29%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.70%
Q3 202411.16%
Q4 202411.11%
Q1 202510.87%
Q2 202510.91%
Q3 202511.31%
Q4 202510.87%
Q1 202611.33%
Q2 202611.57%
Delinquent loans (60+ days)
1.34%2.22%3.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.48%
Q3 20241.34%
Q4 20243.10%
Q1 20252.63%
Q2 20252.58%
Q3 20252.46%
Q4 20252.73%
Q1 20262.49%
Q2 20262.94%
Return on assets
0.77%1.31%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.28%
Q4 20241.23%
Q1 20250.77%
Q2 20251.73%
Q3 20251.84%
Q4 20251.60%
Q1 20261.78%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$49.7M11.57%2.94%1.66%82.2%
Q1 202660$49.1M11.33%2.49%1.78%80.9%
Q4 202555$49.1M10.87%2.73%1.60%81.1%
Q3 202559$45.9M11.31%2.46%1.84%87.9%
Q2 202556$45.3M10.91%2.58%1.73%86.3%
Q1 202548$43.3M10.87%2.63%0.77%88.0%
Q4 202447$41.0M11.11%3.10%1.23%92.6%
Q3 202464$39.7M11.16%1.34%1.28%95.5%
Q2 202461$40.2M10.70%1.48%1.25%93.2%

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 ratio11.57%
28th
Problem loans2.94%
13th
Net charge-offs0.28%
41st
Return on assets1.66%
89th
Loans to deposits82.2%
17th
Uninsured deposits0.6%
58th
Loan-loss reserves0.00%
37th
Texas ratio19.1%
5th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Local 697 Federal Credit UnionCredit union Merrillville, IN58 out of 100, Moderate$49.0M16.0%4.55%vs
Dubois-Pike Federal Credit UnionCredit union Jasper, IN72 out of 100, Strong$48.9M10.2%0.34%vs
Western Indiana Credit UnionCredit union Sullivan, IN80 out of 100, Strong$48.7M12.6%0.15%vs
Bar-Cons Federal Credit UnionCredit union Columbus, IN77 out of 100, Strong$52.8M18.0%1.21%vs
Whiting Refinery Federal Credit UnionCredit union Whiting, IN77 out of 100, Strong$53.4M26.5%1.34%vs
Vigo County Federal Credit UnionCredit union Terre Haute, IN63 out of 100, Moderate$45.5M11.2%1.98%vs

Deposit insurance

Is my money safe at Indiana Heartland Federal Credit Union?

Yes. Indiana Heartland Federal Credit Union is a federally insured credit union (NCUA charter #24108). 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 0.6% of shares and deposits ($240K) 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 11.57%, 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

Indiana Heartland Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Indiana Heartland Federal Credit Union
Type
Federal credit union
NCUA charter #
24108
RSSD ID
310192
Primary regulator
NCUA
Established
1972
Headquarters
402 S Berkley Rd, Kokomo, IN 46901
Employees
9

Quick answers

Indiana Heartland Federal Credit Union: common questions

Is Indiana Heartland Federal Credit Union NCUA insured?

Yes. Indiana Heartland Federal Credit Union is a federally insured credit union (NCUA charter #24108). 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 Indiana Heartland Federal Credit Union's TellerScore?

55 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 Indiana Heartland Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kokomo

InstitutionScoreAssetsCapitalProblem loansCompare
Fo Me Bo Co Federal Credit UnionCredit union Wabash, IN98 out of 100, Very strong$3.8M17.3%0.00%vs
Concora Wabash Federal Credit UnionCredit union Wabash, IN82 out of 100, Strong$1.2M21.9%0.00%vs
Hometown Federal Credit UnionCredit union Peru, IN79 out of 100, Strong$37.2M33.3%1.68%vs
Solidarity Community Federal Credit UnionCredit union Kokomo, IN76 out of 100, Strong$351.1M12.4%0.47%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
Financial Builders Federal Credit UnionCredit union Kokomo, IN75 out of 100, Strong$151.5M12.5%0.85%vs