Western Indiana Credit Union
Sullivan, IN · Charter 82789 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$48.7MAssets
$31.5MLoans
$42.3MShares
$6.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets (rank 291 of 1682).
- Widest gap: net interest margin trails 71% of credit unions under $1B in assets (rank 1189 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.82%
Rank 760 of 1,683
Net Interest Margin
3.42%
Rank 1,189 of 1,683
Efficiency Ratio
79.60%
Rank 913 of 1,682
Equity / Assets
12.56%
Rank 898 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.82% | 0.35% | 0.74% | 1.18% | Beats 55% | 760 / 1,683 | | |
| Return on Equity | 6.54% | 2.67% | 5.89% | 8.74% | Beats 56% | 736 / 1,681 | | |
| Net Interest Margin | 3.42% | 3.31% | 3.82% | 4.32% | Beats 29% | 1,189 / 1,683 | | |
| Efficiency Ratio | 79.60% | 68.91% | 78.20% | 86.93% | Beats 46% | 913 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.26% | 0.65% | 1.29% | Beats 83% | 291 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.56% | 10.44% | 12.89% | 16.53% | Beats 47% | 898 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.56% | 10.44% | 12.89% | 16.53% | Beats 47% | 898 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 74.53% | 52.61% | 69.38% | 83.50% | 59th pctl | 682 / 1,683 | | |
| Loans / Assets | 64.73% | 44.71% | 59.18% | 70.72% | 62nd pctl | 638 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |