# INDIANA MEMBERS
Indianapolis, IN · NCUA charter 68259 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/indiana-members-68259

Who the members are: state charter, organized 1956, low-income designated. 165,204 members of 2,200,000 potential (7.5% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.54B |
| Members | 165,204 (1.2% YoY) |
| Full-time staff | 453 |
| Net worth | $373.6M |
| Net worth ratio | 10.6% (p47 of band) |
| ROA (annualized) | 0.96% (p72 of band) |
| Total delinquency | 0.43% (p30 of band) |
| Net charge-offs (annualized) | 0.39% (p33 of band) |
| Loans / shares | 69% (p14 of band) |
| Cash / assets | 4.3% |
| Borrowings / assets | 0.28% |
| Net interest margin | 3.05% (p33 of band) |
| Operating expense / assets | 2.84% (p30 of band) |
| Vehicles % of loans | 26% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 4% |
| Third-party paper % of net worth | 34% (p21 of band) |
| Vehicle delinquency | 0.81% (p69 of band) |
| Vehicle NCO | 1.04% (p54 of band) |
| Repossessed % of vehicle book | 0.08% (p52 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 149% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 22% |
| Average share balance | $9,383 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $127.1M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $26,607 |
| Loans granted, annualized | $797.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $127.1M outstanding purchased (34.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | thin capital |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | thin capital |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | leaning on borrowings | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | leaning on borrowings |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-29 [Indiana Members Credit Union opens new branch - Current Publishing](https://news.google.com/rss/articles/CBMikAFBVV95cUxQemFZeHdMRHZhRzRfbm9MTmkzV3V3WjRQaXpSdk43QW5JdHRJRlF6WF9DeFBoQ2xCSU4xanFfMGt6ZzZ1bXl1R3M3b0lFNE9HV01jUjhrd3hYSm5fWnVsdkltaXZGTk1MMXR0OXF3b0dhai1RNjBuYmFCOFBKelhtdjZvNEw2M1JqbF9WZHRKYmg?oc=5) · Current Publishing
- 2026-03-04 [Look inside Indiana Members Credit Union's new Bottleworks District headquarters - IndyStar](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOajVTQUZ0a0pnTVVGeGo2eDBpWWJuc2VJbjY0ekw0UFlidElnTHZpdlNPcUxMY0o2dWNOazNMemhwSndqam42SlJOM2ZYSF8yU1g1ckdMLXd6Zm8wMVZzTUVsak5nV0QwNVhlTVJpRTdGR2NuaTROTzJjS3J6bU5UMVhJY244YVl1UGIyYXpwV1NNYnFHbWstbUNReTNQQmNqMklhRlJicDg1NkVNU1lUQ3dwcnRWT0FkVjZpX0FwWENMZ1U0eWdnQXY0eGZZcG82UnVQN2t6VFhxbzVMbDkxbjhmalJ6LV9MWXFTUERxZjZ5ejg?oc=5) · IndyStar
- 2026-07-30 [Indiana Members Credit Union expands in Westfield with new Spring Mill Road branch - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMisAFBVV95cUxNcVlhTTlpaVFOQWR3MlRqOExEeldqdG1hZEtJNGxOQ2VwaExkSG90d3M4SXZMZUwzaUYwVVh6ME1uTF9iMU1Db0pNSmtiT3JPTFhOenhNdVNKTC12SXFrTk12c1dlYUJGNTRMSUc4YS10M2ZUbHdiQ1R5RjlNSk5tMlZ4enBvZHVyQzBLem5pcWVZM29HTjk3clJ5ZVdySFpIMWlnejA0QUJnRTh5XzIyQg?oc=5) · The Hamilton County Reporter
- 2025-04-16 [Indiana Members Credit Union named to Newsweek’s America’s Best Regional Banks and Credit Unions for second year - CUInsight](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNYllSQ3ZMbTlERks5NTBRWkJFY05OREZEUUxlaUJYNDVmbktTNnQwNkVRY2NKelpXNXBrTjFMYjBzamlRc0FIUl9UTW56Q0wxa0t6R2tMSi1LdnhMQUVobVpVdktjUHdaTnhkWks2WDlXN1g3T0lweHNHSHduMDhhamx0Xzkyc2ZRSU9hRmtER1hrSjJDeTFtSXYyWnZod3FqZVo0LUJXTE1VR2RyMUR5MmFRZ0tMVnVCbUNUblA3QlpxMWNsQWMyeHQ4VjJ2QjFHRzV3SUN3U3pUR1hRY0p3WURSY1plQQ?oc=5) · CUInsight
- 2026-03-04 [Hear why Indiana Members Credit Union chose Bottleworks District for headquarters - IndyStar](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQM3ptRkJybHI0bUJCMXd1RDgtZi1OcnJMOHZZQnFmbC0ySFgyOHdGVDFfa1dibDlqUGI3Qkk4ZDNYUjJhb0FVcFVDQ21HTm1ZbU1pbi13d3JhR2lwclptM1JHNUFET1N5aEM4R1owTmw4QnhpVFRJT0JFODRNTkg2R3hmakp3ZWVWejAycFJjbTlHSm1fTEVTMGZacnhOb1cySlVfZlY1a2VRTlR3RzBLSDhRZG9icElzbzE0RkhwemtxUzllRXFsVGN0VW56dkRfZXBHcUhzQUlicjZ1NUlBVW91ZU5mMzd6eVE?oc=5) · IndyStar
- 2024-09-04 [Credit union taking HQ to Bottleworks District - Indianapolis Business Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTk8wVXQ4WFRUcV9IU0Jfc1BrWGozUkxYVldWOGt1QUlHQ2o1UE9CMndYTUc0cVcwTjV2YlJTOWhIT2NPaTJJYzRKaVBoM1VtdXJzQkN2NzRMZ0lySnVpbkp2Rmt6azNZa1N4d3MydTFDV2lfMlkyN0MxVkNGb1pOUlozejROZnByODU2SV91N0psT3RJ?oc=5) · Indianapolis Business Journal
- 2023-02-09 [Indiana Members Credit Union makes C-suite promotions - Inside INdiana Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdm0xcF9vd29DakFtTl9FRFNWMUN5V0pwaDY5Sm5ZejMzSjEwa3JVVHdESkszZ3hVRFdDMVVubl9qa0stTHVwSGtoQVFxZ1diTWExN0IxQ0ctSnlobER5RVpEQWh1UWN2OXpyVVVSdG05MUVGWUlvMDZUX1lRN09nTXpSZ3dXYnRzcEluYmU5MUZqX2MtLW9uYWZuamllREwxZ3c?oc=5) · Inside INdiana Business
- 2023-02-11 [Indiana Members Credit Union announces senior leadership promotions - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMinAFBVV95cUxONVlmemtvUG84TlJrODA5bktoOUVMLXNER1c3OVZIdHNQVXllb3BtV1ljUDIxdWhwRDN5TVFZTmUwZ01sNnp0TVdhX2pJbU5tMjRLcUdZRkZpTlVuUWxkLVVNZjR6ZUtTZXJpVVF6QjRTQjlYcmRtaktfYndkenEtQkNMcWYyOVpRTUhFeWotamNibXlzcWFaRFFOY0s?oc=5) · The Hamilton County Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68259 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/35.json (key "68259", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68259
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide