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credit union

Northern Indiana

Merrillville, IN · Est. 1935
B
Trust Grade
Strong
Score: 85/100

Northern Indiana is a credit union based in Merrillville, Indiana, established in 1935, with $42 million in total assets serving 5,627 members. By Trust Grade it ranks 100th of 124 credit unions we track in Indiana. Its net worth ratio of 9.1% trails most similarly sized credit unions (11th percentile), versus a Indiana median of 12.8%. It was profitable over the most recent period, with a 0.72% return on assets. No consumer complaints against Northern Indiana appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$41.6M
<$100M institution
Members
5,627
Shares & deposits
Net worth ratio
9.1%
Bottom 11% of <$100M peers · Indiana median 12.8%
Return on assets
0.7%
Top 44% of <$100M peers · Indiana median 0.68%
Rank in Indiana
#100
of 124 credit unions

How Northern Indiana compares to Indiana peers

Net worth ratio
Bottom 11% of <$100M peers
Northern Indiana
9.1%
Indiana median
12.8%
Higher capital ratio = stronger financial cushion
Return on assets
Top 44% of <$100M peers
Northern Indiana
0.7%
Indiana median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Northern Indiana

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
85/100
Customer experience
n/a
Overall
B · 85
  • Well-capitalized (9.1% capital ratio)
  • Profitable (ROA 0.72%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Northern Indiana over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Northern Indiana insured?

Yes. Northern Indiana is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Northern Indiana: frequently asked questions

Is Northern Indiana a good credit union?

Northern Indiana earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (9.1% capital ratio); Profitable (ROA 0.72%).

Is Northern Indiana NCUA-insured?

Yes. Northern Indiana is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Northern Indiana?

Northern Indiana holds $42 million in total assets, ranking 100th of 124 credit unions we track in Indiana. It serves 5,627 members.

Does Northern Indiana have CFPB complaints?

No CFPB complaints against Northern Indiana appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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