INDIANA LAKES
Federal • Warsaw, Indiana • Est. 1977
Quick Facts
- Charter Number
- #22704
- Type
- Federal
- Established
- 1977
- Headquarters
- Warsaw, Indiana 46581
- Address
- P.O. Box 1064
- Branches
- 1
- ATMs
- 1
- Members
- 1,749
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,749 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | INDIANA LAKES |
|---|---|
| Total Assets | $27.5M |
| Members | 1,749 |
| Loans Outstanding | $13.5M |
| Shares & Deposits | $24.2M |
| Net Worth | $3.2M |
| Net Worth Ratio | 11.65% |
| Loan-to-Share Ratio | 55.7% |
| Delinquency Rate | 0.68% |
| Net Income | +$229,534 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
322 South Detroit Street
Main Office322 S Detroit St
Warsaw, IN 46580-4401
Who Can Join INDIANA LAKES?
Membership Type: Other/Unknown
Membership eligibility for INDIANA LAKES may vary. Contact the credit union directly to confirm qualification requirements.
Contact INDIANA LAKES 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. INDIANA LAKES 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, INDIANA LAKES has 1,749 members and a potential membership field of 70,000 people.
INDIANA LAKES's net worth ratio is 11.65% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.7%, INDIANA LAKES meets this threshold.
INDIANA LAKES operates 1 branch location and has access to 1 ATMs. The main office is located at 322 S Detroit St, Warsaw, IN 46580-4401.
INDIANA LAKES was established in 1977. It is a federal credit union chartered under charter number 22704. The institution has been serving members for 49 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or INDIANA LAKES. All financial data is for informational purposes only.