Credit union · NCUA insured
Indiana Heartland FCU
A $49.1M credit union headquartered in Kokomo, IN, with 5,332 members and 1 branch in Indiana. Best rates: CDs 4.10% and savings 1.00% APY.
Indiana Heartland FCU Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#3 of 10 in Kokomo, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Indiana Heartland FCU
Founded in 1932, Indiana Heartland Federal Credit Union is a member-owned credit union headquartered in Kokomo, Indiana.
The credit union focuses on serving Howard County.
- Headquarters
- 402 S Berkley Rd, Kokomo, IN 46901
- NCUA charter
- 24108
Branches
1 branch in Indiana
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Indiana
1 branch
- indiana heartland federal credit unionMain office402 S Berkley Rd, Kokomo, IN 46901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.57% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.94% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.67% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $82 | $59 | — |
- CapitalNet worth ratio11.57%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.94%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.67%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$82Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Indiana Heartland FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.