Elements Financial Federal Credit Union

Indianapolis, IN

Rating Date

December 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	8.60
Capitalization Index	6.00
Liquidity Index	2.60
Profitability Index	7.50
Stability Index	5.70

Company Info	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	217
Phone Number	(317) 276-2105
Website	www.elements.org

Asset Quality	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	6.24%
5-Year Asset Growth	6.40%
5-Year Charge-Offs to Average Loans	0.11%
Charge-Offs to Average Loans	0.16%
Non-Performing Assets to Assets	0.34%
Non-Performing Loans to Capital	3.75%
Non-Performing Loans to Loans	0.46%

Balance Sheet	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
Total Assets	2.44B
Total Deposits	2.04B

Capital and Reserves	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
Capital	205.56M
Leverage Ratio	10.47
Loan Loss Reserves to Loans	1.01%

Liquidity	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	18.22%
Liquidity Ratio	13.24%

Profitability	Elements Financial Federal Credit Union Indianapolis, IN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.73%
Net Income	21.99M
Net Interest Spread	2.77%
Operating Profit to Average Assets	1.35%
Overhead Efficiency Ratio	62.26%
Return on Assets	1.19%
Return on Equity	15.91%