credit union · NCUA 22468 · IN
How big is ELEMENTS FINANCIAL?
ELEMENTS FINANCIAL (IN, NCUA charter 22468) reported total assets of $2.5B, 102,766 members and a net worth ratio of 11.92% in its Call Report for 2026Q2. That ranks 214 of 4,299 federally insured credit unions by assets, 189 of 454 among credit unions with $1b-$10b in assets, 5 of 121 credit unions in indiana.
What stands out
ELEMENTS FINANCIAL (IN, NCUA charter 22468) reported total assets of $2.5B, 102,766 members and a net worth ratio of 11.92% in its Call Report for 2026Q2. That ranks 214 of 4,299 federally insured credit unions by assets, 189 of 454 among credit unions with $1b-$10b in assets, 5 of 121 credit unions in indiana. Against its size class: net worth ratio 11.92%, above the peer median of 10.89%; loan-to-share ratio 85.34%, below the peer median of 88.03%; return on assets 1.40%, above the peer median of 0.80%. At 11.92% 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 | $2.5B | $2.1B | $59.4M | $68.3M | record → |
| Shares and deposits | $2.0B | $1.8B | $49.8M | $58.3M | record → |
| Loans outstanding | $1.7B | $1.5B | $31.4M | $34.4M | record → |
| Net income (year to date) | $17.6M | $8.3M | $269.0k | $222.2k | record → |
| Net worth | $298.6M | $244.6M | $8.7M | $9.0M | record → |
| Net worth ratio | 11.92% | 10.89% | 13.16% | 12.65% | record → |
| Loan-to-share ratio | 85.34% | 88.03% | 68.92% | 68.70% | computed |
| Return on assets | 1.40% | 0.80% | 0.82% | 0.71% | computed |
| Members | 102,766 | 115,183 | 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 | $2.5B | $2.0B | $1.7B | $17.6M | 11.92% | 102,766 | 214 |
| 2026Q1 | $2.5B | $2.1B | $1.7B | $5.7M | 11.49% | 100,051 | 216 |
| 2025Q4 | $2.5B | $2.0B | $1.7B | $29.3M | 10.60% | 98,725 | 214 |
| 2025Q3 | $2.4B | $2.0B | $1.7B | $22.0M | 10.46% | 98,725 | 212 |
| 2025Q2 | $2.5B | $2.1B | $1.7B | $10.6M | 10.03% | 99,396 | 203 |
| 2025Q1 | $2.5B | $2.1B | $1.7B | $3.8M | 9.75% | 99,528 | 194 |
| 2024Q4 | $2.3B | $1.9B | $1.7B | $13.8M | 10.36% | 100,304 | 214 |
| 2024Q3 | $2.3B | $1.9B | $1.6B | $10.0M | 10.27% | 99,528 | 214 |
| 2024Q2 | $2.3B | $2.0B | $1.6B | $6.2M | 10.07% | 100,884 | 211 |
| 2024Q1 | $2.5B | $2.1B | $1.6B | $3.6M | 9.35% | 101,489 | 189 |
| 2023Q4 | $2.3B | $1.9B | $1.6B | $14.3M | 9.74% | 99,781 | 201 |
| 2023Q3 | $2.2B | $1.8B | $1.6B | $11.1M | 9.97% | 102,219 | 204 |
| 2023Q2 | $2.3B | $1.8B | $1.6B | $6.9M | 9.59% | 102,011 | 199 |
| 2023Q1 | $2.3B | $1.9B | $1.6B | $3.8M | 9.41% | 101,614 | 195 |
| 2022Q4 | $2.3B | $1.8B | $1.6B | $10.2M | 9.32% | 101,525 | 189 |
| 2022Q3 | $2.3B | $1.8B | $1.5B | $6.8M | 9.24% | 102,436 | 188 |
| 2022Q2 | $2.2B | $1.8B | $1.5B | $3.7M | 9.19% | 100,292 | 192 |
| 2022Q1 | $2.2B | $1.8B | $1.3B | $3.4M | 9.50% | 122,640 | 198 |
| 2021Q4 | $2.1B | $1.7B | $1.3B | $19.5M | 9.79% | 120,595 | 205 |
| 2021Q3 | $2.0B | $1.7B | $1.3B | $15.3M | 9.27% | 119,907 | 205 |
| 2021Q2 | $2.0B | $1.7B | $1.3B | $11.4M | 9.16% | 118,341 | 199 |
| 2021Q1 | $2.1B | $1.8B | $1.2B | $6.0M | 8.56% | 116,890 | 190 |
| 2020Q4 | $2.0B | $1.7B | $1.2B | $19.4M | 8.58% | 116,004 | 181 |
| 2020Q3 | $2.0B | $1.7B | $1.3B | $13.6M | 8.52% | 115,755 | 182 |
| 2020Q2 | $2.0B | $1.7B | $1.3B | $8.6M | 8.04% | 115,321 | 171 |
| 2020Q1 | $1.9B | $1.6B | $1.3B | $3.5M | 8.02% | 114,946 | 162 |
| 2019Q4 | $1.7B | $1.4B | $1.3B | $15.3M | 8.85% | 112,635 | 183 |
| 2019Q3 | $1.7B | $1.4B | $1.2B | $10.5M | 8.80% | 111,614 | 184 |
| 2019Q2 | $1.6B | $1.4B | $1.2B | $6.9M | 8.65% | 110,008 | 182 |
| 2019Q1 | $1.7B | $1.4B | $1.2B | $3.2M | 8.17% | 108,056 | 170 |
| 2018Q4 | $1.5B | $1.3B | $1.2B | $10.8M | 8.83% | 107,221 | 191 |
| 2018Q3 | $1.5B | $1.3B | $1.2B | $8.1M | 8.77% | 105,074 | 190 |
| 2018Q2 | $1.5B | $1.3B | $1.2B | $5.7M | 8.63% | 102,728 | 186 |
| 2018Q1 | $1.6B | $1.3B | $1.2B | $3.6M | 8.09% | 101,002 | 169 |
| 2017Q4 | $1.4B | $1.2B | $1.2B | $7.7M | 8.70% | 96,460 | 188 |
| 2017Q3 | $1.5B | $1.2B | $1.1B | $6.0M | 8.47% | 95,162 | 185 |
| 2017Q2 | $1.4B | $1.2B | $1.1B | $4.1M | 8.45% | 92,502 | 182 |
| 2017Q1 | $1.5B | $1.2B | $1.1B | $2.3M | 8.23% | 92,244 | 175 |
| 2016Q4 | $1.3B | $1.1B | $1.1B | $636.8k | 8.72% | 92,495 | 191 |
| 2016Q3 | $1.3B | $1.1B | $1.1B | $-557.8k | 8.76% | 93,675 | 191 |
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