WHITING REFINERY
Charter #198 · Whiting, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.87% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.07% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.23% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.64% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 82nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WHITING REFINERY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.19M | 10th pct | 44th pct |
| Members | 1,988 | 2th pct | 26th pct |
| Net worth ratio | 25.87% | 99th pct | 89th pct |
| Return on average assets | 0.07% | 15th pct | 16th pct |
| Net interest margin | 2.23% | 2th pct | 2th pct |
| Cost of funds | 2.64% | 97th pct | 95th pct |
| Loan-to-share | 58.71% | 47th pct | 51th pct |
| Delinquency 60+ days | 1.34% | 82th pct | 82th pct |
| Net charge-off ratio | 0.20% | 45th pct | 67th pct |
| Loan growth YoY | -2.95% | 35th pct | 31th pct |
| Share growth YoY | 3.22% | 55th pct | 59th pct |
| Efficiency ratio | 90.42% | 81th pct | 79th pct |
structural peer set hash: c6ffb0a3b2a58ac0b25758de1b09b109… (reproducible)
Closest structural peers
This is the free public view
Claim WHITING REFINERY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.