credit union · NCUA 16065 · IN
How big is HOWARD COUNTY SCHOOL EM?
HOWARD COUNTY SCHOOL EM (IN, NCUA charter 16065) reported total assets of $31.4M, 2,425 members and a net worth ratio of 18.07% in its Call Report for 2026Q2. That ranks 2794 of 4,299 federally insured credit unions by assets, 401 of 1,135 among credit unions with $10m-$50m in assets, 86 of 121 credit unions in indiana.
What stands out
HOWARD COUNTY SCHOOL EM (IN, NCUA charter 16065) reported total assets of $31.4M, 2,425 members and a net worth ratio of 18.07% in its Call Report for 2026Q2. That ranks 2794 of 4,299 federally insured credit unions by assets, 401 of 1,135 among credit unions with $10m-$50m in assets, 86 of 121 credit unions in indiana. Against its size class: net worth ratio 18.07%, above the peer median of 13.88%; loan-to-share ratio 30.15%, below the peer median of 57.77%; return on assets 0.24%, below the peer median of 0.70%. At 18.07% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $31.4M | $25.2M | $59.4M | $68.3M | record → |
| Shares and deposits | $25.6M | $21.4M | $49.8M | $58.3M | record → |
| Loans outstanding | $7.7M | $11.2M | $31.4M | $34.4M | record → |
| Net income (year to date) | $37.7k | $82.1k | $269.0k | $222.2k | record → |
| Net worth | $5.7M | $3.4M | $8.7M | $9.0M | record → |
| Net worth ratio | 18.07% | 13.88% | 13.16% | 12.65% | record → |
| Loan-to-share ratio | 30.15% | 57.77% | 68.92% | 68.70% | computed |
| Return on assets | 0.24% | 0.70% | 0.82% | 0.71% | computed |
| Members | 2,425 | 2,092 | 4,967 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $31.4M | $25.6M | $7.7M | $37.7k | 18.07% | 2,425 | 2794 |
| 2026Q1 | $32.2M | $26.6M | $8.0M | $-75.5k | 17.26% | 2,435 | 2789 |
| 2025Q4 | $31.3M | $25.9M | $8.4M | $368.9k | 17.27% | 2,434 | 2818 |
| 2025Q3 | $31.6M | $26.3M | $8.6M | $294.7k | 16.74% | 2,440 | 2815 |
| 2025Q2 | $32.3M | $27.1M | $9.1M | $94.6k | 15.79% | 2,456 | 2817 |
| 2025Q1 | $33.5M | $28.5M | $9.7M | $-30.2k | 14.91% | 2,553 | 2800 |
| 2024Q4 | $34.3M | $29.2M | $10.3M | $75.4k | 14.72% | 2,654 | 2781 |
| 2024Q3 | $33.4M | $28.3M | $10.8M | $81.4k | 15.07% | 2,657 | 2812 |
| 2024Q2 | $34.0M | $29.0M | $10.9M | $36.2k | 14.64% | 2,657 | 2817 |
| 2024Q1 | $33.5M | $28.5M | $11.1M | $12.2k | 14.80% | 2,668 | 2855 |
| 2023Q4 | $33.3M | $28.4M | $11.2M | $78.5k | 14.84% | 2,673 | 2858 |
| 2023Q3 | $34.2M | $29.2M | $10.9M | $76.7k | 14.48% | 2,686 | 2850 |
| 2023Q2 | $34.8M | $29.9M | $10.9M | $59.8k | 14.15% | 2,670 | 2846 |
| 2023Q1 | $35.7M | $30.7M | $10.2M | $27.7k | 13.73% | 2,674 | 2842 |
| 2022Q4 | $35.4M | $30.5M | $9.8M | $151.6k | 13.76% | 2,739 | 2858 |
| 2022Q3 | $36.6M | $31.7M | $9.7M | $175.3k | 13.26% | 2,737 | 2835 |
| 2022Q2 | $36.5M | $31.7M | $9.2M | $100.5k | 13.19% | 2,725 | 2844 |
| 2022Q1 | $36.5M | $31.7M | $9.2M | $79.8k | 13.14% | 2,744 | 2854 |
| 2021Q4 | $35.5M | $30.8M | $9.8M | $314.2k | 13.28% | 2,742 | 2865 |
| 2021Q3 | $35.2M | $30.5M | $9.6M | $310.7k | 13.38% | 2,761 | 2874 |
| 2021Q2 | $35.7M | $31.1M | $9.8M | $141.3k | 12.74% | 2,736 | 2858 |
| 2021Q1 | $36.4M | $31.9M | $10.0M | $39.4k | 12.21% | 2,746 | 2832 |
| 2020Q4 | $34.1M | $29.6M | $10.1M | $177.8k | 12.93% | 2,752 | 2858 |
| 2020Q3 | $33.5M | $29.1M | $10.0M | $119.9k | 12.99% | 2,750 | 2859 |
| 2020Q2 | $32.9M | $28.5M | $10.1M | $96.7k | 13.15% | 2,753 | 2867 |
| 2020Q1 | $31.5M | $27.2M | $10.4M | $42.7k | 13.55% | 2,757 | 2849 |
| 2019Q4 | $31.1M | $26.8M | $10.5M | $206.2k | 13.60% | 2,761 | 2844 |
| 2019Q3 | $31.1M | $26.9M | $10.5M | $149.9k | 13.42% | 2,762 | 2835 |
| 2019Q2 | $30.8M | $26.6M | $10.3M | $99.0k | 13.38% | 2,747 | 2860 |
| 2019Q1 | $31.4M | $27.3M | $10.0M | $37.1k | 12.91% | 2,753 | 2849 |
| 2018Q4 | $31.3M | $27.2M | $10.0M | $178.4k | 12.85% | 2,757 | 2828 |
| 2018Q3 | $31.6M | $27.7M | $9.7M | $128.9k | 12.55% | 2,771 | 2832 |
| 2018Q2 | $31.9M | $28.0M | $9.6M | $64.6k | 12.24% | 2,756 | 2835 |
| 2018Q1 | $31.8M | $27.9M | $9.3M | $21.0k | 12.15% | 2,760 | 2849 |
| 2017Q4 | $31.7M | $27.8M | $9.6M | $100.0k | 12.12% | 2,753 | 2820 |
| 2017Q3 | $31.8M | $28.0M | $9.4M | $73.5k | 12.00% | 2,760 | 2836 |
| 2017Q2 | $32.3M | $28.5M | $9.4M | $47.9k | 11.74% | 2,743 | 2842 |
| 2017Q1 | $32.2M | $28.4M | $9.3M | $17.4k | 11.66% | 2,750 | 2853 |
| 2016Q4 | $32.3M | $28.6M | $9.4M | $79.3k | 11.56% | 2,756 | 2814 |
| 2016Q3 | $32.8M | $29.1M | $9.4M | $56.8k | 11.32% | 2,800 | 2802 |
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