Federal credit union · Sullivan, Indiana · NCUA charter #82789
Western Indiana Credit Union
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $50.5M
- Total assets
- 3,052
- Members
- 9.2%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth68
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.16% | 30% |
| Delinquency Rate | 0.11% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | 1.03% | 15% |
| Loan-to-Share Ratio | 70.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Western Indiana Credit Union
The five-factor composite scores Western Indiana Credit Union at 93/100 (Excellent), reflecting a net worth ratio of 9.16% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Sullivan, Indiana, reports 3,052 members, $50.5M in total assets, and $30.9M in outstanding loans as of Q4 2025 under charter #82789 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 70.10% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.11% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.66% on net income of $331K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.03%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Western Indiana Credit Union financially healthy?
A 9.16% net worth ratio and a 0.11% delinquency rate feed into Western Indiana Credit Union's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Western Indiana Credit Union compare to other credit unions?
93/100 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 9.16% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.