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Whiting Refinery

Whiting, IN · Charter 198

NCUA · 1 branch

Q2 2026

$53.4MAssets
$23.7MLoans
$39.2MShares
$14.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, down 8 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 1.34% of loans (+109 bps YoY).
  • Capital: net worth / assets of 26.52%, up 32 bps from a year ago.
  • Funding: loans stand at 60.64% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%-8 bps YoY

Net Interest Margin (quarter, annualized)

2.54%+41 bps YoY

Efficiency Ratio (quarter, annualized)

72.66%+337 bps YoY

Net Worth / Assets

26.52%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.59%0.66%0.06%0.52%-8 bps
Return on Equity2.27%2.25%2.47%0.25%1.95%-32 bps
Net Interest Margin2.13%2.12%2.22%2.20%2.54%+41 bps
Efficiency Ratio69.29%69.09%67.08%90.42%72.66%+337 bps
Growth
Asset Growth (YoY)2.64%3.69%3.29%3.16%1.14%-150 bps
Loan Growth (YoY)10.40%11.38%4.13%5.76%3.56%-683 bps
Share Growth (YoY)2.82%4.53%3.55%3.55%0.96%-186 bps
Asset Quality
Delinquent Loans / Loans0.25%1.16%0.10%1.34%1.34%+109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital26.20%26.33%26.57%25.87%26.52%+32 bps
Net Worth / Assets26.20%26.33%26.57%25.87%26.52%+32 bps
Liquidity & Funding
Loans / Shares59.12%62.44%60.59%58.71%60.64%+152 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps