Federal credit union · Sullivan, Indiana · NCUA charter #82789
Western Indiana Credit Union
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $50.5M
- Total assets
- 3,052
- Members
- 12.2%
- Net-worth ratio
Western Indiana Credit Union scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.5M; members 3,052; net-worth ratio 12.16%; health rank #381 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#381 of 4,374 health · 2025Q4Western Indiana Credit Union · health 95/100 · $50.5M · 2025Q4
- BOOK 95/100
- CHARTER 12.2%
- NCUSIF 0.11%
- CAMELS 0.66%
- HEALTH $50.5M
- NW 3,052
- DELQ #381/4,374
- ROA PIPEFITTERS-STEAMFITTERS
- ASSETS 82789
Call Report peers
Western Indiana Credit Union in the assets neighbourhood
Western Indiana Credit Union's $50.5M assets sit next to PIPEFITTERS-STEAMFITTERS ($50.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Western Indiana Credit Union vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Western Indiana Credit Union - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #82789 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Western Indiana Credit Union vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +7.50 pp (70.10% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -1.46 pp (12.16% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Indiana standing for Western Indiana Credit Union
- Indiana health ordinal: #8 of 124.
- Assets rank #66 of 124 inside Indiana ($50.5M reported).
- Membership ranks #81 of 124 among Indiana CUs with a reported count (3,052 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Western Indiana Credit Union's 5300 filing moved
Western Indiana Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.1% from $50.5M (2025Q4) to $49.4M (2026Q1).
- Net-worth ratio shifted +0.42 pp (11.74% → 12.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.16% | -1.46 pp |
| Delinquency Rate | 0.11% | -0.85 pp |
| Return on Assets | 0.66% | -0.00 pp |
| Member Growth | 1.03% | - |
| Loan-to-Share Ratio | 70.10% | +7.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $49.4M | - |
| 2025Q4 | $50.5M | 3,052 |
| 2024Q4 | $47.4M | 3,021 |
| 2023Q4 | $38.9M | 2,926 |
Credit Union Details
- Charter Number
- 82789
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Sullivan
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Western Indiana Credit Union runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Sullivan, IN |
| Branch Office | Brazil, IN |
| Vital Records Center | Sullivan, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Cross-state Call Report peers for Western Indiana Credit Union
Cross-state asset and health neighbours for Western Indiana Credit Union - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Western Indiana Credit Union ranks #381 of 4,374 nationally on financial health and #8 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BAR-CONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BAR-CONS
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Western Indiana Credit Union financially healthy?
A 12.16% net worth ratio and a 0.11% delinquency rate feed into Western Indiana Credit Union's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #381 of 4,374; by total assets it ranks #2,398 of 4,374 nationally (same basis as /rankings/largest); and #66 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Western Indiana Credit Union compare to other credit unions?
95/100 is Western Indiana Credit Union's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Western Indiana Credit Union?
Membership eligibility for Western Indiana Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Western Indiana Credit Union directly for current membership requirements and application steps.
Is my money safe at Western Indiana Credit Union?
Federal credit unions like Western Indiana Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Western Indiana Credit Union's net worth ratio of 12.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Western Indiana Credit Union offer compared to banks?
Credit unions like Western Indiana Credit Union are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Western Indiana Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.