HOWARD COUNTY SCHOOL EM
Federal • Kokomo, Indiana • Est. 1964
Quick Facts
- Charter Number
- #16065
- Type
- Federal
- Established
- 1964
- Headquarters
- Kokomo, Indiana 46902
- Address
- 105 W Southway Blvd
- Branches
- 1
- Members
- 2,434
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
2,434 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HOWARD COUNTY SCHOOL EM |
|---|---|
| Total Assets | $31.3M |
| Members | 2,434 |
| Loans Outstanding | $8.4M |
| Shares & Deposits | $25.9M |
| Net Worth | $5.4M |
| Net Worth Ratio | 17.27% |
| Loan-to-Share Ratio | 32.6% |
| Delinquency Rate | 2.59% |
| Net Income | +$412,930 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Main Office
Main Office105 W Southway Blvd
Kokomo, IN 46902
Who Can Join HOWARD COUNTY SCHOOL EM?
Membership Type: Community
Membership eligibility for HOWARD COUNTY SCHOOL EM may vary. Contact the credit union directly to confirm qualification requirements.
Contact HOWARD COUNTY SCHOOL EM directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Indiana RankingsFrequently Asked Questions
Yes. HOWARD COUNTY SCHOOL EM is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HOWARD COUNTY SCHOOL EM has 2,434 members and a potential membership field of 4,500 people.
HOWARD COUNTY SCHOOL EM's net worth ratio is 17.27% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 17.3%, HOWARD COUNTY SCHOOL EM meets this threshold.
HOWARD COUNTY SCHOOL EM operates 1 branch location. The main office is located at 105 W Southway Blvd, Kokomo, IN 46902.
HOWARD COUNTY SCHOOL EM was established in 1964. It is a federal credit union chartered under charter number 16065. The institution has been serving members for 62 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HOWARD COUNTY SCHOOL EM. All financial data is for informational purposes only.