TellerScore

Inova Federal Credit Union is a federal credit union headquartered in Elkhart, Indiana, in business for about 84 years. At the end of Q2 2026 it reported $643.5M in total assets and $516.0M in member shares and deposits, with 3 offices.

Inova Federal Credit Union has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 4% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 116th. Problem-loan coverage contributes the most (77/100, 11.7%); earnings contributes the least (27/100, 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.36%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity50/100
Loans ÷ shares: 114.9% · 12.9% uninsured
Problem-loan coverage77/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.65%

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 8 points (40 → 48), mostly because the problem-loan coverage component improved by 20 points.

TellerScore
354248Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202435
Q3 202436
Q4 202442
Q1 202538
Q2 202540
Q3 202542
Q4 202542
Q1 202644
Q2 202648
Net worth ratio
7.00%7.68%8.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.58%
Q3 20247.91%
Q4 20247.95%
Q1 20257.80%
Q2 20257.89%
Q3 20258.06%
Q4 20258.12%
Q1 20268.11%
Q2 20268.36%
Delinquent loans (60+ days)
0.94%1.43%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.93%
Q3 20241.88%
Q4 20241.20%
Q1 20251.04%
Q2 20251.01%
Q3 20250.99%
Q4 20250.99%
Q1 20260.97%
Q2 20260.94%
Return on assets
-0.43%-0.12%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.20%
Q4 20240.13%
Q1 2025-0.43%
Q2 2025-0.24%
Q3 2025-0.16%
Q4 2025-0.10%
Q1 20260.08%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$643.5M8.36%0.94%0.17%114.9%
Q1 202644$658.1M8.11%0.97%0.08%114.0%
Q4 202542$655.7M8.12%0.99%-0.10%115.4%
Q3 202542$663.0M8.06%0.99%-0.16%115.4%
Q2 202540$677.9M7.89%1.01%-0.24%112.7%
Q1 202538$686.6M7.80%1.04%-0.43%109.3%
Q4 202442$682.9M7.95%1.20%0.13%114.9%
Q3 202436$693.3M7.91%1.88%0.20%113.2%
Q2 202435$718.7M7.58%1.93%0.20%112.9%

1,341 peers · $100 million – $1 billion

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 ratio8.36%
6th
Problem loans0.94%
33rd
Net charge-offs0.99%
10th
Return on assets0.17%
10th
Loans to deposits114.9%
0th
Uninsured deposits12.9%
8th
Loan-loss reserves0.00%
50th
Texas ratio11.7%
10th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Via Credit UnionCredit union Marion, IN76 out of 100, Strong$604.4M13.2%0.62%vs
Tech Credit UnionCredit union Crown Point, IN49 out of 100, Below average$599.0M9.3%1.45%vs
Partners 1st Federal Credit UnionCredit union Fort Wayne, IN58 out of 100, Moderate$545.8M9.8%0.61%vs
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs
Communitywide Federal Credit UnionCredit union South Bend, IN57 out of 100, Moderate$873.9M13.2%2.45%vs
Fort Financial Federal Credit UnionCredit union Fort Wayne, IN76 out of 100, Strong$397.3M11.8%0.50%vs

Deposit insurance

Is my money safe at Inova Federal Credit Union?

Yes. Inova Federal Credit Union is a federally insured credit union (NCUA charter #4968). 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 12.9% of shares and deposits ($66.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.36%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Inova Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Inova Federal Credit Union
Type
Federal credit union
NCUA charter #
4968
RSSD ID
34470
Primary regulator
NCUA
Established
1942
Headquarters
358 S Elkhart Ave, Elkhart, IN 46516
Employees
144

Quick answers

Inova Federal Credit Union: common questions

Is Inova Federal Credit Union NCUA insured?

Yes. Inova Federal Credit Union is a federally insured credit union (NCUA charter #4968). 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 Inova Federal Credit Union's TellerScore?

48 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 Inova Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Elkhart

InstitutionScoreAssetsCapitalProblem loansCompare
Everence Trust CompanyBank Goshen, IN94 out of 100, Very strong$16.2M96.8%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Tlcu Financial Credit UnionCredit union Mishawaka, IN89 out of 100, Very strong$59.4M16.0%0.45%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Chiphone Federal Credit UnionCredit union Elkhart, IN87 out of 100, Very strong$111.8M16.4%0.38%vs