Federal credit union · Whiting, Indiana · NCUA charter #198
Whiting Refinery
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $52.7M
- Total assets
- 2,041
- Members
- 25.9%
- Net-worth ratio
Whiting Refinery scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $52.7M; members 2,041; net-worth ratio 25.87%; health rank #2,366 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,366 of 4,374 health · 2025Q4Whiting Refinery · health 82/100 · $52.7M · 2025Q4
- PHOTO 82/100
- BOOK 25.9%
- CHARTER 0.10%
- NCUSIF 0.01%
- CAMELS $52.7M
- HEALTH 2,041
- NW #2,366/4,374
- DELQ Yuma County
- ROA 198
Call Report peers
Whiting Refinery in the assets neighbourhood
Whiting Refinery's $52.7M assets sit next to Yuma County ($52.8M) 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.
Whiting Refinery 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
82 43rd percentile higher than 43% 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
Whiting Refinery - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #198 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Whiting Refinery
- Net Worth Ratio leads the peer set - 25.87% here, 13.62% peer average (+12.25 pp).
- Largest lag: Loan-to-Share Ratio at 60.59% vs peer 62.60% (-2.01 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Whiting Refinery: in-state Call Report ranks
- In Indiana, health place is #67 of 124 on the same NCUA-ratio sort used nationally.
- Indiana assets place: #64 of 124.
- Membership ranks #91 of 124 among Indiana CUs with a reported count (2,041 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.
Whiting Refinery: 2025Q4 → 2026Q1
Whiting Refinery: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $52.7M (2025Q4) to $54.2M (2026Q1).
- Net-worth ratio shifted -0.70 pp (26.57% → 25.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 25.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.9 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 13.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.87% | +12.25 pp |
| Delinquency Rate | 0.10% | -0.86 pp |
| Return on Assets | 0.01% | -0.65 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 60.59% | -2.01 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).
Whiting Refinery filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.2M | - |
| 2025Q4 | $52.7M | 2,041 |
| 2024Q4 | $51.0M | 2,041 |
| 2023Q4 | $52.9M | 2,043 |
Credit Union Details
- Charter Number
- 198
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- Whiting
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Whiting Refinery runs one office.
| Office | City |
|---|---|
| Whiting Refinery FCU (Main Office) | Whiting, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Other-state peers near Whiting Refinery
Whiting Refinery's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($52.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Whiting Refinery ranks #2,366 of 4,374 nationally on financial health and #67 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 Whiting Refinery financially healthy?
A 25.87% net worth ratio and a 0.10% delinquency rate feed into Whiting Refinery's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,366 of 4,374; by total assets it ranks #2,365 of 4,374 nationally (same basis as /rankings/largest); and #64 of 124 within Indiana. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Whiting Refinery compare to other credit unions?
On PlainCU's health composite, Whiting Refinery lands at 82/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Whiting Refinery?
Whiting Refinery operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Whiting Refinery directly for the exact boundaries and application steps.
Is my money safe at Whiting Refinery?
Federal credit unions like Whiting Refinery 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. Whiting Refinery's net worth ratio of 25.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Whiting Refinery offer compared to banks?
Credit unions like Whiting Refinery 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 Whiting Refinery 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.