TellerScore

Solidarity Community Federal Credit Union (NCUA charter #9923) is based in Kokomo, Indiana. Its Q2 2026 call report shows $351.1M in total assets and $309.4M in member shares and deposits and 2 offices.

Solidarity Community Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 51st. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 5% uninsured); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.44%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity100/100
Loans ÷ shares: 56.8% · 4.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.88%

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 (80 → 76), mostly because the earnings component weakened by 34 points.

TellerScore
697580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202472
Q4 202469
Q1 202573
Q2 202580
Q3 202580
Q4 202577
Q1 202675
Q2 202676
Net worth ratio
7.00%9.72%12.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.39%
Q3 202411.31%
Q4 202411.37%
Q1 202511.32%
Q2 202512.07%
Q3 202512.32%
Q4 202512.34%
Q1 202612.15%
Q2 202612.44%
Delinquent loans (60+ days)
0.23%0.48%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.52%
Q4 20240.72%
Q1 20250.23%
Q2 20250.59%
Q3 20250.46%
Q4 20250.71%
Q1 20260.26%
Q2 20260.47%
Return on assets
0.19%0.78%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.69%
Q4 20240.57%
Q1 20250.44%
Q2 20251.37%
Q3 20251.12%
Q4 20250.94%
Q1 20260.19%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$351.1M12.44%0.47%0.52%56.8%
Q1 202675$354.6M12.15%0.26%0.19%57.8%
Q4 202577$348.0M12.34%0.71%0.94%61.5%
Q3 202580$345.5M12.32%0.46%1.12%64.5%
Q2 202580$348.1M12.07%0.59%1.37%65.9%
Q1 202573$355.3M11.32%0.23%0.44%65.7%
Q4 202469$350.0M11.37%0.72%0.57%71.0%
Q3 202472$350.2M11.31%0.52%0.69%73.2%
Q2 202474$343.7M11.39%0.40%0.76%73.0%

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 ratio12.44%
63rd
Problem loans0.47%
68th
Net charge-offs0.45%
40th
Return on assets0.52%
31st
Loans to deposits56.8%
82nd
Uninsured deposits4.7%
64th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Industrial Federal Credit UnionCredit union Lafayette, IN71 out of 100, Strong$356.1M9.2%0.41%vs
Fort Financial Federal Credit UnionCredit union Fort Wayne, IN76 out of 100, Strong$397.3M11.8%0.50%vs
Primetrust Financial Federal Credit UnionCredit union Muncie, IN66 out of 100, Moderate$272.9M10.4%0.88%vs
Encompass Federal Credit UnionCredit union Tipton, IN52 out of 100, Below average$240.7M9.4%1.60%vs
U S #1364 Federal Credit UnionCredit union Merrillville, IN76 out of 100, Strong$222.4M13.6%1.12%vs
Summit Choice Federal Credit UnionCredit union Fort Wayne, IN72 out of 100, Strong$206.6M12.6%0.66%vs

Deposit insurance

Is my money safe at Solidarity Community Federal Credit Union?

Yes. Solidarity Community Federal Credit Union is a federally insured credit union (NCUA charter #9923). 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 4.7% of shares and deposits ($14.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.44%, well 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

Solidarity Community Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Solidarity Community Federal Credit Union reported 305 home-loan applications under HMDA (LEI 5493009FTGT1RX4J7Y04): 193 originated ($19,305,000 total), 59 denied, and 46 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.8%, 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
Solidarity Community Federal Credit Union
Type
Federal credit union
NCUA charter #
9923
RSSD ID
66284
Primary regulator
NCUA
Established
1954
Headquarters
P.O. Box 2499, Kokomo, IN 46904
Employees
61

Quick answers

Solidarity Community Federal Credit Union: common questions

Is Solidarity Community Federal Credit Union NCUA insured?

Yes. Solidarity Community Federal Credit Union is a federally insured credit union (NCUA charter #9923). 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 Solidarity Community Federal Credit Union's TellerScore?

76 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.

How many branches does Solidarity Community 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
Financial Builders Federal Credit UnionCredit union Kokomo, IN75 out of 100, Strong$151.5M12.5%0.85%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs
Horizon BankBank Michigan City, IN72 out of 100, Strong$6.5B10.5%0.70%vs
City of Firsts Community Federal Credit UnionCredit union Kokomo, IN71 out of 100, Strong$38.5M10.2%0.08%vs
Industrial Federal Credit UnionCredit union Lafayette, IN71 out of 100, Strong$356.1M9.2%0.41%vs
Community State BankBank Royal Center, IN70 out of 100, Strong$175.9M10.5%0.37%vs