Kokomo, Indiana · Peer group 3
Howard County School Em Credit Union
Howard County School Em Credit Union holds $32.2M in assets across 2,435 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1964. Charter number 16065, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $32.2M |
|---|---|
| Total loans | $8.0M |
| Total shares (deposits) | $26.6M |
| Net worth | $5.6M |
| Members | 2,435 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.8% | |
|---|---|---|
| Loans | -17.3% | lower than 95% of its peer group |
| Deposits | -6.7% | lower than 91% of its peer group |
| Members | -4.6% | around the 18th 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 | 30.2% | lower than 90% of its peer group |
|---|---|---|
| Net worth ratio | 17.3% | around the 73rd percentile of its peer group |
| Return on assets | -0.94% | lower than 94% of its peer group |
| Delinquency ratio | 1.25% | around the 73rd percentile of its peer group |
| Cash / assets | 18.1% | around the 78th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Howard County School Em 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.
- Central Soya Credit Union
Decatur, IN
$32.4M · 1,898 members
- Financial Health Credit Union
Indianapolis, IN
$31.5M · 6,544 members
- Jackson County Co-Op Credit Union
SEYMOUR, IN
$31.2M · 1,067 members
- First County Credit Union
MUNCIE, IN
$34.4M · 3,208 members
- Evansville Firefighters Credit Union
EVANSVILLE, IN
$34.4M · 2,030 members
- Indiana Lakes Credit Union
Warsaw, IN
$28.4M · 1,912 members
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