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P.O. Box 7123
Indianapolis, IN 46202

Eli Lilly Credit Union is headquartered in Indianapolis and is the 5th largest credit union in the state of Indiana. It is also the 203rd largest credit union in the nation. It was established in 1976 and as of December of 2013, it had grown to 146 employees and 62,905 members. Eli Lilly Credit Union's savings rates are 2X the national average, and it has a A health rating.

Field of Membership Restrictions

If you are not affiliated with Eli Lilly & Company or several other companies, you can still become a member by joining Tru Direction, a non-profit association dedicated to financial literacy. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Eli Lilly Credit Union had $6.54 million in non-current loans and owned real-estate with $117.51 million in equity and loan loss allowances on hand to cover it. This gives Eli Lilly Credit Union a Texas Ratio of 5.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Eli Lilly Credit Union experienced no significant changes from 4.60% as of December 31, 2012 to 5.56% as of December 31, 2013, resulting in a negative change of 21.09%. This indicates that the balance sheet and financial strength for Eli Lilly Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Eli Lilly Credit Union has increased its total deposits by $24.46 million, resulting in 2.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Eli Lilly Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Eli Lilly Credit Union has $1.03 billion in assets with $117.51 million in equity, resulting in a capitalization level of 11.37%, which is excellent.

Institution Statistics

NCUA #22468
Year Chartered1976
Primary Regulator
Assets and Liabilities
Assets$1.03 billion
Loans$675.33 million
Deposits$899.01 million
Equity Capital$93.41 million
Loan Loss Allowance$24.10 million
Unbacked Noncurrent Loans$6.43 million
Real Estate Owned$106,000
Historic Data - December 2012
Assets$1.01 billion
Equity Capital$104.34 million
Loan Loss Allowance$6.34 million
Unbacked Noncurrent Loans$6.43 million
Real Estate Owned$848,000
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets1.16%
Return on Equity12.81%
Interest Income$34.35 million

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Eli Lilly Credit Union Savings Account Rates

1.25%$25k-Health Savings Account (HSA) Checking
0.20%$50k-Member Savings
0.10%--The Grow Account

Eli Lilly Credit Union Money Market Rates

0.45%$250k-Premium Money Market
0.21%--IRA Money Market Savings
0.21%--ESA Money Market Savings

Eli Lilly Credit Union Checking Account Rates

4.00%-$1kHigh Interest Checking
0.07%--Dividend Checking

Eli Lilly Credit Union CD Rates

1.51%$1k-10 Year CD
1.51%$500-10 Year Youth CD
1.50%$1k-4 Year CD
1.50%$500-4 Year Youth CD
1.26%$1k-7 Year CD
1.26%$500-7 Year Youth CD
1.16%$1k-5 Year CD
1.16%$500-5 Year Youth CD
1.00%$1k-54 Month Rate Climber CD
1.00%$500-54 Month Rate Climber Youth CD
0.71%$1k-3 Year CD
0.71%$500-3 Year Youth CD
0.60%$1k-34 Month Rate Climber CD
0.60%$500-34 Month Rate Climber Youth CD
0.41%$1k-2 Year CD
0.41%$500-2 Year Youth CD
0.26%$1k-1 Year CD
0.26%$500-1 Year Youth CD
0.13%$1k-6 Month CD
0.13%$500-6 Month Youth CD

Eli Lilly Credit Union IRA Rates

1.50%--4 Year IRA (Traditional,Roth)
1.50%--4 Year ESA
1.26%--7 Year IRA (Traditional,Roth)
1.26%--7 Year ESA
1.16%--5 Year IRA (Traditional,Roth)
1.16%--5 Year ESA
0.71%--3 Year IRA (Traditional,Roth)
0.71%--3 Year ESA
0.41%--2 Year IRA (Traditional,Roth)
0.41%--2 Year ESA
0.26%--1 Year IRA (Traditional,Roth)
0.26%--1 Year ESA

Eli Lilly Credit Union Locations
Branch Office639 S Delaware StIndianapolis, IN 46225
Branch Office2500 Innovation Way N Bldg CGreenfield, IN 46140
Branch Office1650 Lilly RdLafayette, IN 47909
Branch Office225 S East St Ste 300Indianapolis, IN 46202
Branch Office1400 W Raymond StIndianapolis, IN 46221-2004
Branch Office4750 E 450 SWhitestown, IN 46075
Branch Office2250 N Main StClinton, IN 47842