Side-by-side · Q2 2026 data
Whiting Refinery Federal Credit Union vs Indiana Heartland Federal Credit Union
Credit union
Whiting Refinery Federal Credit Union
Whiting, Indiana · Under $100 million in assets
Credit union
Indiana Heartland Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Whiting Refinery Federal Credit Union | Indiana Heartland Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 55 (stronger) | 2 |
| Earnings | 41 | 86 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 96 (stronger) | 62 |
| Peer percentile | 57th | 15th |
| Total assets | $53.4M | $49.7M |
| Deposits / shares | $39.2M | $43.5M |
| Capital ratio | 26.52% (stronger) | 11.57% |
| Problem loans | 1.34% (stronger) | 2.94% |
| Net charge-offs | 0.10% (stronger) | 0.28% |
| Return on assets | 0.52% | 1.66% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 82.2% |
| Uninsured deposits | 6.5% | 0.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Whiting Refinery Federal Credit Union has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Whiting Refinery Federal Credit Union leads on 5 and Indiana Heartland Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.