TellerScore

Headquartered in St Joe, Indiana, Vulcraft Employees Federal Credit Union is a federal credit union with $6.4M in total assets and $5.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1978.

Based on its Q2 2026 filing, Vulcraft Employees Federal Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 73rd. Its strongest component is capital cushion (88/100; 13.78%), and its lowest is earnings (54/100; 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.78%
Loan quality58/100
Loans 60+ days delinquent ÷ total loans: 1.25%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity72/100
Loans ÷ shares: 88.6% · 0.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.38%

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 2 points (73 → 71), mostly because the earnings component weakened by 15 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202464
Q1 202567
Q2 202573
Q3 202572
Q4 202573
Q1 202669
Q2 202671
Net worth ratio
7.00%10.54%14.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.72%
Q3 202413.36%
Q4 202413.42%
Q1 202513.03%
Q2 202513.05%
Q3 202513.53%
Q4 202514.09%
Q1 202613.45%
Q2 202613.78%
Delinquent loans (60+ days)
1.00%1.21%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20241.14%
Q4 20241.17%
Q1 20251.42%
Q2 20251.19%
Q3 20251.31%
Q4 20251.23%
Q1 20261.22%
Q2 20261.25%
Return on assets
0.06%0.64%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.12%
Q3 20240.06%
Q4 20240.16%
Q1 20250.88%
Q2 20251.21%
Q3 20251.13%
Q4 20251.15%
Q1 20260.65%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$6.4M13.78%1.25%0.84%88.6%
Q1 202669$6.5M13.45%1.22%0.65%91.6%
Q4 202573$6.1M14.09%1.23%1.15%97.8%
Q3 202572$6.2M13.53%1.31%1.13%90.7%
Q2 202573$6.3M13.05%1.19%1.21%86.0%
Q1 202567$6.2M13.03%1.42%0.88%89.3%
Q4 202464$5.9M13.42%1.17%0.16%94.4%
Q3 202463$5.9M13.36%1.14%0.06%97.7%
Q2 202464$6.2M12.72%1.00%0.12%91.3%

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 ratio13.78%
46th
Problem loans1.25%
33rd
Net charge-offs0.00%
77th
Return on assets0.84%
60th
Loans to deposits88.6%
10th
Uninsured deposits0.0%
81st
Loan-loss reserves1.37%
86th
Texas ratio6.4%
23rd

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InstitutionScoreAssetsCapitalProblem loansCompare
T H P Federal Credit UnionCredit union Terre Haute, IN74 out of 100, Strong$4.0M24.0%0.12%vs
Finans Federal Credit UnionCredit union Hammond, IN48 out of 100, Below average$8.9M11.6%3.04%vs
Fo Me Bo Co Federal Credit UnionCredit union Wabash, IN98 out of 100, Very strong$3.8M17.3%0.00%vs
Great Horizons Federal Credit UnionCredit union Munster, IN66 out of 100, Moderate$3.6M24.5%4.00%vs
South Bend Transit Federal Credit UnionCredit union South Bend, IN48 out of 100, Below average$2.9M29.0%6.84%vs
Urban Beginnings Choice Federal Credit UnionCredit union Fort Wayne, IN56 out of 100, Moderate$1.8M9.8%3.89%vs

Deposit insurance

Is my money safe at Vulcraft Employees Federal Credit Union?

Yes. Vulcraft Employees Federal Credit Union is a federally insured credit union (NCUA charter #23287). 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 0.0% of shares and deposits ($0) 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 13.78%, well 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

Vulcraft Employees Federal Credit Union lists 3 offices in 2 cities. Most locations:

  • Waterloo, IN (2)
  • Saint Joe, IN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Vulcraft Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
23287
RSSD ID
927581
Primary regulator
NCUA
Established
1978
Headquarters
Po Box 1000, St Joe, IN 46785
Employees
2

Quick answers

Vulcraft Employees Federal Credit Union: common questions

Is Vulcraft Employees Federal Credit Union NCUA insured?

Yes. Vulcraft Employees Federal Credit Union is a federally insured credit union (NCUA charter #23287). 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 Vulcraft Employees Federal Credit Union's TellerScore?

71 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 Vulcraft Employees Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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