CU Explorer
Credit unions · Indiana · Q2 2026

Howard County School Em FCU

Credit union in Kokomo, IN · NCUA charter #16065 · Federal charter

Legal name: Howard County School Em

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$31.4M
Total loans & leases$7.7M
Total shares & deposits$25.6M
Members2,425
Net worth$5.7M
Net worth / assets18.07%
Loans / assets24.63%
Return on assets (annualized)0.24%
Loan growth (YoY)−14.93%
Member growth (YoY)−1.26%
Delinquency, all loans (60+ days)1.51%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeEducational

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application, online loan payments, e-Statements. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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