PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Indiana Credit Union

Sullivan, IN · Charter 82789

NCUA · 2 branches

Q2 2026

$48.7MAssets
$31.5MLoans
$42.3MShares
$6.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.82%, up 21 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.15% of loans (-44 bps YoY).
  • Capital: net worth / assets of 12.56%, up 57 bps from a year ago.
  • Funding: loans stand at 74.53% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.82%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.42%+24 bps YoY

Efficiency Ratio (YTD, annualized)

79.67%-41 bps YoY

Net Worth / Assets

12.56%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.70%0.47%0.61%0.68%0.70%0.69%0.82%+21 bps
Return on Equity7.91%5.95%4.02%5.10%5.84%5.97%5.69%6.53%+143 bps
Net Interest Margin3.61%3.28%3.11%3.18%3.12%3.15%3.26%3.42%+24 bps
Efficiency Ratio74.62%80.03%85.19%80.08%79.11%79.13%81.18%79.67%-41 bps
Growth
Asset Growth (YoY)10.67%21.90%18.22%17.58%14.71%6.49%3.32%2.24%-1,534 bps
Loan Growth (YoY)-0.30%3.65%0.00%-0.63%4.02%-2.80%4.04%0.74%+137 bps
Share Growth (YoY)11.64%24.58%20.49%19.49%16.04%6.35%3.24%2.13%-1,736 bps
Asset Quality
Delinquent Loans / Loans0.62%0.12%0.77%0.59%0.08%0.11%0.39%0.15%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.79%11.75%11.81%11.99%11.69%11.74%12.16%12.56%+57 bps
Net Worth / Assets12.79%11.75%11.81%11.99%11.69%11.74%12.16%12.56%+57 bps
Liquidity & Funding
Loans / Shares81.92%76.70%74.01%75.56%73.44%70.10%74.58%74.53%-103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps