Side-by-side · Q2 2026 data
Whiting Refinery Federal Credit Union vs Western Indiana Credit Union
Credit union
Whiting Refinery Federal Credit Union
Whiting, Indiana · Under $100 million in assets
Metric by metric
| Measure | Whiting Refinery Federal Credit Union | Western Indiana Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 55 | 95 (stronger) |
| Earnings | 41 | 53 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 57th | 65th |
| Total assets | $53.4M | $48.7M |
| Deposits / shares | $39.2M | $42.3M |
| Capital ratio | 26.52% (stronger) | 12.56% |
| Problem loans | 1.34% | 0.15% (stronger) |
| Net charge-offs | 0.10% | -0.00% (stronger) |
| Return on assets | 0.52% | 0.82% (stronger) |
| Loans ÷ deposits | 60.6% (stronger) | 74.5% |
| Uninsured deposits | 6.5% | 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 77). On the 7 directional measures above (where higher or lower is clearly better), Whiting Refinery Federal Credit Union leads on 2 and Western Indiana Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.