St Joe, Indiana · Peer group 2
Vulcraft Employees Credit Union
Vulcraft Employees Credit Union holds $6.5M in assets across 734 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1978. Charter number 23287, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $6.5M |
|---|---|
| Total loans | $5.1M |
| Total shares (deposits) | $5.6M |
| Net worth | $871K |
| Members | 734 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.0% | |
|---|---|---|
| Loans | 7.1% | around the 87th percentile of its peer group |
| Deposits | 4.4% | around the 79th percentile of its peer group |
| Members | 0.7% | around the 76th 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 | 91.6% | higher than 90% of its peer group |
|---|---|---|
| Net worth ratio | 13.4% | around the 29th percentile of its peer group |
| Return on assets | 0.65% | around the 59th percentile of its peer group |
| Delinquency ratio | 1.22% | around the 57th percentile of its peer group |
| Cash / assets | 21.3% | around the 67th 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 Vulcraft Employees 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.
- Del Met Credit Union
MUNCIE, IN
$8.3M · 892 members
- T H P Credit Union
Terre Haute, IN
$4.2M · 883 members
- Fo Me Bo Co Credit Union
Wabash, IN
$4.0M · 678 members
- Finans Credit Union
Hammond, IN
$9.1M · 1,253 members
- Great Horizons Credit Union
Munster, IN
$3.8M · 420 members
- South Bend Transit Credit Union
South Bend, IN
$2.7M · 362 members
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