TellerScore

Northern Indiana Federal Credit Union (NCUA charter #168) is based in Merrillville, Indiana. Its Q2 2026 call report shows $41.7M in total assets and $37.1M in member shares and deposits and 4 offices.

Northern Indiana Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 79th. Problem-loan coverage contributes the most (98/100, 1.1%); capital cushion contributes the least (43/100, 9.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.25%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity82/100
Loans ÷ shares: 78.4% · 2.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.10%

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 9 points (59 → 68), mostly because the earnings component improved by 25 points.

TellerScore
596468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202461
Q4 202464
Q1 202564
Q2 202559
Q3 202560
Q4 202565
Q1 202667
Q2 202668
Net worth ratio
7.00%8.15%9.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.24%
Q3 20248.13%
Q4 20248.59%
Q1 20258.62%
Q2 20258.82%
Q3 20259.02%
Q4 20259.30%
Q1 20269.12%
Q2 20269.25%
Delinquent loans (60+ days)
0.10%0.33%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.34%
Q4 20240.28%
Q1 20250.18%
Q2 20250.49%
Q3 20250.56%
Q4 20250.48%
Q1 20260.25%
Q2 20260.15%
Return on assets
0.07%0.42%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.35%
Q4 20240.47%
Q1 20250.41%
Q2 20250.07%
Q3 20250.30%
Q4 20250.77%
Q1 20260.72%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$41.7M9.25%0.15%0.69%78.4%
Q1 202667$41.6M9.12%0.25%0.72%77.2%
Q4 202565$40.0M9.30%0.48%0.77%80.6%
Q3 202560$39.6M9.02%0.56%0.30%78.3%
Q2 202559$39.9M8.82%0.49%0.07%77.5%
Q1 202564$40.0M8.62%0.18%0.41%73.5%
Q4 202464$39.7M8.59%0.28%0.47%75.6%
Q3 202461$41.0M8.13%0.34%0.35%72.3%
Q2 202462$39.8M8.24%0.10%0.23%74.1%

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 ratio9.25%
11th
Problem loans0.15%
77th
Net charge-offs0.24%
43rd
Return on assets0.69%
53rd
Loans to deposits78.4%
21st
Uninsured deposits2.7%
38th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Health Care Professionals Federal Credit UnionCredit union Richmond, IN96 out of 100, Very strong$41.6M18.6%0.00%vs
Haynes Community Federal Credit UnionCredit union Kokomo, IN58 out of 100, Moderate$42.3M11.6%2.04%vs
Origins Credit UnionCredit union Indianapolis, IN79 out of 100, Strong$43.7M16.3%0.25%vs
Advantageplus of Indiana Federal Credit UnionCredit union Terre Haute, IN87 out of 100, Very strong$43.9M20.8%0.64%vs
Eastern Indiana Federal Credit UnionCredit union New Castle, IN84 out of 100, Strong$44.4M13.5%1.05%vs
Midwest Family Federal Credit UnionCredit union Portage, IN60 out of 100, Moderate$39.0M10.6%1.58%vs

Deposit insurance

Is my money safe at Northern Indiana Federal Credit Union?

Yes. Northern Indiana Federal Credit Union is a federally insured credit union (NCUA charter #168). 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 2.7% of shares and deposits ($1.0M) 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 9.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Northern Indiana Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Northern Indiana Federal Credit Union
Type
Federal credit union
NCUA charter #
168
RSSD ID
13279
Primary regulator
NCUA
Established
1935
Headquarters
8121 Grand Blvd, Merrillville, IN 46410
Employees
8

Quick answers

Northern Indiana Federal Credit Union: common questions

Is Northern Indiana Federal Credit Union NCUA insured?

Yes. Northern Indiana Federal Credit Union is a federally insured credit union (NCUA charter #168). 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 Northern Indiana Federal Credit Union's TellerScore?

68 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 Northern Indiana Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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First Community Bank and TrustBank Beecher, IL91 out of 100, Very strong$201.7M13.5%0.00%vs
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