Federal credit union · Whiting, Indiana · NCUA charter #198
Whiting Refinery
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $52.7M
- Total assets
- 2,041
- Members
- 26.6%
- Net-worth ratio
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.
Whiting Refinery - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)33
- Member growth60
- Liquidity (loan-to-share)86
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 26.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 26.57% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.01% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 60.59% | 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 | $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
What This Data Says About Whiting Refinery
Whiting Refinery is a federal credit union headquartered in Whiting, Indiana, serving 2,041 members with $52.7M in total assets and $23.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 26.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #198 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.10% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 60.59% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.01% on net income of $5K 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 0.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match 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 Whiting Refinery financially healthy?
A 26.57% 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. 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 26.57% 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.
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.