WESTERN INDIANA CREDIT UNION
Charter #82789 · Sullivan, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of -0.04% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 49th — a 50-point gap showing why the peer definition matters.
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 | WESTERN INDIANA CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $49.41M | 100th pct | 49th pct |
| Members | 3,055 | 76th pct | 48th pct |
| Net worth ratio | 12.16% | 38th pct | 54th pct |
| Return on average assets | 0.68% | 52th pct | 62th pct |
| Net interest margin | 3.22% | 23th pct | 38th pct |
| Cost of funds | 1.81% | 86th pct | 72th pct |
| Loan-to-share | 74.58% | 76th pct | 44th pct |
| Delinquency 60+ days | 0.39% | 41th pct | 49th pct |
| Net charge-off ratio | -0.04% | 15th pct | 10th pct |
| Loan growth YoY | 0.41% | 73th pct | 62th pct |
| Share growth YoY | -1.13% | 18th pct | 23th pct |
| Efficiency ratio | 81.18% | 52th pct | 43th pct |
structural peer set hash: c3b7aaffcd81597fa30b1654cb2a866b… (reproducible)
Closest structural peers
This is the free public view
Claim WESTERN INDIANA CREDIT UNION
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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.