Indianapolis, Indiana · Peer group 6
Elements Financial Credit Union
Elements Financial Credit Union holds $2.50B in assets across 100,051 members as of Q1 2026 — about $25K of assets per member, on a charter dating to 1976. Charter number 22468, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.50B |
|---|---|
| Total loans | $1.66B |
| Total shares (deposits) | $2.12B |
| Net worth | $286.7M |
| Members | 100,051 |
| Assets per member | $25K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.1% | |
|---|---|---|
| Loans | 0.0% | around the 21st percentile of its peer group |
| Deposits | 0.2% | around the 15th percentile of its peer group |
| Members | 0.5% | around the 38th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 78.0% | around the 32nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.5% | around the 65th percentile of its peer group |
| Return on assets | 0.91% | around the 67th percentile of its peer group |
| Delinquency ratio | 0.35% | around the 22nd percentile of its peer group |
| Cash / assets | 6.4% | around the 31st percentile of its peer group |
| Borrowings / assets | 5.0% | around the 75th percentile of its peer group |
What this page does not show
Everything above is Elements Financial Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Indiana — the comparison set a peer ratio is measured against.
- Centra Credit Union
COLUMBUS, IN
$2.38B · 139,152 members
- Forum Credit Union
INDIANAPOLIS, IN
$2.34B · 165,080 members
- Three Rivers Credit Union
FORT WAYNE, IN
$2.81B · 138,447 members
- Purdue Credit Union
WEST LAFAYETTE, IN
$2.15B · 111,816 members
- Indiana University Credit Union
BLOOMINGTON, IN
$2.06B · 71,703 members
- Interra Credit Union
Goshen, IN
$1.99B · 89,669 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Elements Financial Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.