Whiting Refinery Federal Credit Union (NCUA charter #198) is based in Whiting, Indiana. Its Q2 2026 call report shows $53.4M in total assets and $39.2M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Whiting Refinery Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 45th. Its strongest component is capital cushion (100/100; 26.52%), and its lowest is earnings (41/100; 0.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (87 → 77), mostly because the loan quality component weakened by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 85 |
| Q4 2024 | 82 |
| Q1 2025 | 89 |
| Q2 2025 | 87 |
| Q3 2025 | 78 |
| Q4 2025 | 88 |
| Q1 2026 | 73 |
| Q2 2026 | 77 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 26.52% |
| Q3 2024 | 26.94% |
| Q4 2024 | 26.77% |
| Q1 2025 | 26.19% |
| Q2 2025 | 26.20% |
| Q3 2025 | 26.33% |
| Q4 2025 | 26.57% |
| Q1 2026 | 25.87% |
| Q2 2026 | 26.52% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.07% |
| Q2 2025 | 0.25% |
| Q3 2025 | 1.16% |
| Q4 2025 | 0.10% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.11% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.06% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $53.4M | 26.52% | 1.34% | 0.52% | 60.6% |
| Q1 2026 | 73 | $54.2M | 25.87% | 1.34% | 0.06% | 58.7% |
| Q4 2025 | 88 | $52.7M | 26.57% | 0.10% | 0.66% | 60.6% |
| Q3 2025 | 78 | $52.8M | 26.33% | 1.16% | 0.59% | 62.4% |
| Q2 2025 | 87 | $52.8M | 26.20% | 0.25% | 0.59% | 59.1% |
| Q1 2025 | 89 | $52.5M | 26.19% | 0.07% | 0.70% | 57.5% |
| Q4 2024 | 82 | $51.0M | 26.77% | 0.22% | 0.01% | 60.2% |
| Q3 2024 | 85 | $50.9M | 26.94% | 0.00% | 0.14% | 58.6% |
| Q2 2024 | 83 | $51.4M | 26.52% | 0.02% | -0.11% | 55.1% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Indiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bar-Cons Federal Credit UnionCredit union Columbus, IN | 77 out of 100, Strong | $52.8M | 18.0% | 1.21% | vs |
| Financial Partners Federal Credit UnionCredit union Woodburn, IN | 66 out of 100, Moderate | $56.7M | 10.1% | 1.20% | vs |
| Indiana Heartland Federal Credit UnionCredit union Kokomo, IN | 55 out of 100, Moderate | $49.7M | 11.6% | 2.94% | vs |
| Local 697 Federal Credit UnionCredit union Merrillville, IN | 58 out of 100, Moderate | $49.0M | 16.0% | 4.55% | vs |
| Dubois-Pike Federal Credit UnionCredit union Jasper, IN | 72 out of 100, Strong | $48.9M | 10.2% | 0.34% | vs |
| Western Indiana Credit UnionCredit union Sullivan, IN | 80 out of 100, Strong | $48.7M | 12.6% | 0.15% | vs |
Deposit insurance
Is my money safe at Whiting Refinery Federal Credit Union?
Yes. Whiting Refinery Federal Credit Union is a federally insured credit union (NCUA charter #198). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.5% of shares and deposits ($2.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 26.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Whiting Refinery Federal Credit Union lists 1 office in 1 city. Most locations:
- Whiting, IN (1)
Identity & history
Profile
- Legal name
- Whiting Refinery Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 198
- RSSD ID
- 85678
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- 1339 119th St, Whiting, IN 46394
- Employees
- 5
Quick answers
Whiting Refinery Federal Credit Union: common questions
Is Whiting Refinery Federal Credit Union NCUA insured?
Yes. Whiting Refinery Federal Credit Union is a federally insured credit union (NCUA charter #198). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Whiting Refinery Federal Credit Union's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Whiting Refinery Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Whiting
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Israel Methcomm Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $2.0M | 15.5% | 0.00% | vs |
| Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL | 100 out of 100, Very strong | $10.0M | 19.4% | 0.00% | vs |
| M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $418K | 18.5% | — | vs |
| Pilgrim Baptist Credit UnionCredit union Chicago, IL | 100 out of 100, Very strong | $263K | 25.8% | 0.00% | vs |
| Trinity U.C.C. Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $4.2M | 16.5% | 0.00% | vs |
| St. Martin De Porres Parish Federal Credit UnionCredit union Chicago, IL | 93 out of 100, Very strong | $383K | 15.0% | 0.00% | vs |