Side-by-side · Q2 2026 data
Local 697 Federal Credit Union vs Western Indiana Credit Union
Credit union
Local 697 Federal Credit Union
Merrillville, Indiana · Under $100 million in assets
Metric by metric
| Measure | Local 697 Federal Credit Union | Western Indiana Credit Union |
|---|---|---|
| TellerScore | 58 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 26 | 53 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 73 | 98 (stronger) |
| Peer percentile | 19th | 65th |
| Total assets | $49.0M | $48.7M |
| Deposits / shares | $41.4M | $42.3M |
| Capital ratio | 16.03% (stronger) | 12.56% |
| Problem loans | 4.55% | 0.15% (stronger) |
| Net charge-offs | -0.10% (stronger) | -0.00% |
| Return on assets | 0.14% | 0.82% (stronger) |
| Loans ÷ deposits | 55.8% (stronger) | 74.5% |
| Uninsured deposits | 10.3% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western Indiana Credit Union has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Local 697 Federal Credit Union leads on 3 and Western Indiana Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.