# INDIANA UNIVERSITY
BLOOMINGTON, IN · NCUA charter 68577 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/indiana-university-68577

Who the members are: state charter, organized 1956, low-income designated. 71,703 members of 6,018,482 potential (1.2% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.06B |
| Members | 71,703 (1.3% YoY) |
| Full-time staff | 220 |
| Net worth | $241.1M |
| Net worth ratio | 11.7% (p67 of band) |
| ROA (annualized) | 1.01% (p75 of band) |
| Total delinquency | 0.70% (p60 of band) |
| Net charge-offs (annualized) | 0.08% (p4 of band) |
| Loans / shares | 86% (p50 of band) |
| Cash / assets | 10.5% |
| Borrowings / assets | 2.43% |
| Net interest margin | 2.81% (p19 of band) |
| Operating expense / assets | 2.30% (p12 of band) |
| Vehicles % of loans | 20% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 88% |
| Third-party paper % of net worth | 108% (p41 of band) |
| Vehicle delinquency | 0.52% (p43 of band) |
| Vehicle NCO | 0.23% (p6 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 217% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 38% |
| Average share balance | $9,871 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $52,927 |
| Loans granted, annualized | $578.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | 3rd-party paper>100% NW |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 5 | margin squeeze, delinquency 2x band |  |
| 2020-09 | 3 |  | delinquency rising, margin squeeze |
| 2020-12 | 1 |  | net worth falling, delinquency 2x band |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | 3rd-party paper>100% NW |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | 3rd-party paper>100% NW |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 1 |  | 3rd-party paper>100% NW |
| 2023-06 | 2 | 3rd-party paper>100% NW |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 4 | loans>95% of shares |  |
| 2024-03 | 3 |  | loans>95% of shares |
| 2024-06 | 4 | loans>95% of shares |  |
| 2024-09 | 2 |  | delinquency rising, loans>95% of shares |
| 2024-12 | 1 |  | leaning on borrowings |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

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

- 2026-09-05 [Indiana University Football vs North Texas – Coverage Sponsored by IU Credit Union - bloomingtonian.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNSFRPdFVNbVBGM1V6R1NUT0NmbXNZaVB0dE9lR3RXS1hNYVF1Y2ZiSmJhX05HSDhQVzF0eFUzWFU4VGc5RVI2cUhDSkRyRmN6bUxmLTZmQ25kdFBsczhic1Fyd3E2U1I4SWJyY3RCZlhPVUJqMmxvNEdhRGtSOEt4M3dfbE9NUU8weTJYbExzQmlJNEVtZ1EteXZQNkQwbERQbVZoWEwyeWdRRGtPYmtPMzJJQjFvV3JNRWhv?oc=5) · bloomingtonian.com
- 2026-09-08 [No. 6 Indiana Dominates Denver - Indiana University Athletics](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaEExWTFDcklwVlZSZzI4QjZtX1JYX19jeWhoYmVCQWZ6Zmk3UmFDUk1GR3VDc083U2txTDNBX3dPV3I2Xzc4WFJ6b1dLV205MmtfcnJWelQyM2ktLWZJRjlqb3M5NDZiV2UwTnNUbG9LZ2xieDE3Q3hjeFBpbkpHTXVXZDA?oc=5) · Indiana University Athletics
- 2026-09-05 [Hoosiers Remain Undefeated, Shut Out ‘Stangs - Indiana University Athletics](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUVcydXVUWHdGS2ZQalRzdFZmejVYS3JCd2dCY1NCVXlrcWdXUXJaYjRRb3dtTVJxWW44V19CVDhXR1JhMVZzYVRqSHBfQk1TT3VqNmM3aVlJczBEZlZ0VTQzM091VVNwcW9RMW5adW9IQzNIcWRDMEFzbkpQU3l0d0xsODFOb1BmQTRIOFNfZXRpa0lDdXc?oc=5) · Indiana University Athletics
- 2026-08-03 [IU Credit Union becomes presenting and title sponsor of IU men's soccer - 247Sports](https://news.google.com/rss/articles/CBMixgFBVV95cUxOLVp1OHRnQklucWpBUnBJS2c3a1Y5UWZaN280NDRUY1BSTFJuOGlIU3gxNy0xeV9nS0FGdm5ubFVUSE5jcDktNlowZ2ZCX0pHMS05YVlCMWFZc3VPdm9yTU13YmczdkpVdmh3OTc0alppVFA3MzZacXBDZDhVaVF2WEZWMV9ZTzlFbzJjSWgtTzFLcWQ2eVJKWjk1dV9YZkxXWjZacFVsS2ZncHdvQnJLcjdES0tSMUE2VnZaMXZWWGFzR0JuWEE?oc=5) · 247Sports
- 2026-08-03 [IU Athletics and IU Credit Union Announce Multi-Year Partnership Extension and Men's Soccer Title Sponsorship - Indiana University Athletics](https://news.google.com/rss/articles/CBMi3gFBVV95cUxONmNhcDkteFdwbTVvSmp0VUZVNHZxSnM3b0tJdThaS0FUR3hQUVFVWWFvcTk3T0ZuSV9uaXc3SVZrRXk5enBBajhCSHRXbktJVmNWaE9FUENnaHZwZngzM1E4Z05WeDZDOHN5bzRfUU9FODBRdVhTUnFpcFdQckNkMFpDREdFSDhqalJoX3NmQmt3SkM4MDYzRjQ3b3kzMS1hWmE5VTlvVWNBVzVBdXBvdnFTX1FPTHoyQUpJZXkwSDFFY3lic0ZYWV94cGVCZExnWmtSQldubUZPM19fVkE?oc=5) · Indiana University Athletics
- 2026-06-29 [Today’s CD Rates for June 29, 2026: Highest APYs Range From 4.14% to 4.50% - wsj.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNeVcycnBsSnRfSlJfYUxaUXVWdG82b1R0OC1ReEg0ZF9rZGtFMmZoQkVuMFVVYXpTcmpsZmJQYTBya1FoRldkWllnX21zUmYxcm0wejR0d0xWZkVyT2NCUWdiZ1JCRmRGaU5KNGd0TG5MbktIQ2NvSW9xMVBDaTgwQWxVcw?oc=5) · wsj.com
- 2025-12-31 [The Bloomingtonian thanks Rose Bowl sponsors for Indiana University football coverage - bloomingtonian.com](https://news.google.com/rss/articles/CBMiV0FVX3lxTFB0NlVjSDNRSGh0UFQ0WEFPc3h1eWJrdGF2dGJKWGRNRXozOFhnNWRJSEQxa2xZS1RpbVphWUMxUHNLS3BueGJCWF9kNVV4MVZGZ1pxVmRpUQ?oc=5) · bloomingtonian.com
- 2026-09-03 [DiPrimio: ‘Locked In’ – Defending Helps Fuel Unbeaten Soccer Start - Indiana University Athletics](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcm8xSndqSzhMRVNVc2NsZjFPOHlIUFdfaWFiNi1PaUZMUDFTUWIyS25HelJoNkRrRVMzd3ZsSkRRNFVZd2M1b1hFaTBsNHBQZ2JLQUZGR0Y1VDBCY09KaDkzZjBVVnRnTEhwRXNNakJpN2RPZm1XZkFzd3llWkxsT254N1hoTWNpNWE1SGpRenFrQlBrZlV4QlNHSTFnTEpnNXVUaUpBTFJoQlpuTDlj?oc=5) · Indiana University Athletics

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68577 (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/33.json (key "68577", 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=68577
- 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.

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