Independent Federal Credit Union
Total assets
$93.8M
▲ +4.4% YoY
Shares & deposits
$83.5M
▲ +4.1% YoY
Loans
$56.9M
▼ -3.6% YoY
Members
6,123
▼ -1.1% YoY
ROA (annualized)
-0.22%
peers 0.60%
ROE (annualized)
-2.08%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | -0.22% | 0.60% | -0.8 pts |
| ROE | -2.1% | 4.1% | -6.2 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1971
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 3737 S Scatterfield Rd, Anderson, IN, 46013
- NCUA charter #
- 24171
- RSSD ID
- 603492
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.8M | $83.5M | $56.9M | $10.0M | $-52K | -0.22% | 4.30% | 3.17% | 6,123 |
| Q4 2025 | $89.1M | $78.6M | $56.8M | $10.1M | $848K | 0.95% | 4.65% | 4.02% | 6,158 |
| Q3 2025 | $89.0M | $78.7M | $58.3M | $10.0M | $715K | 1.07% | 4.62% | 3.12% | 6,183 |
| Q2 2025 | $89.4M | $79.5M | $58.9M | $9.8M | $467K | 1.04% | 4.49% | 3.40% | 6,211 |
| Q1 2025 | $89.8M | $80.2M | $59.1M | $9.5M | $200K | 0.89% | 4.25% | 3.40% | 6,192 |
| Q4 2024 | $88.5M | $78.7M | $59.7M | $9.3M | $605K | 0.68% | 4.35% | 2.32% | 6,477 |
| Q3 2024 | $87.7M | $78.3M | $60.7M | $9.2M | $420K | 0.64% | 4.34% | 1.50% | 6,471 |
| Q2 2024 | $88.5M | $79.3M | $61.2M | $9.2M | $431K | 0.97% | 4.21% | 1.46% | 6,489 |
Loan mix (Q1 2026): real estate $18.3M · commercial $0 · consumer $35.4M · securities $20.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.22% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -2.1% | 4.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 81.5% | 30th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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