Western Indiana Credit Union Sullivan, Indiana
Western Indiana Credit Union is a state-chartered credit union headquartered in Sullivan, IN, established in 1932 (NCUA charter 82789), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,063 members and total assets of $48.7M (up 2.2% from Q2 2025), the 68th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 12.56% at Q2 2026, in the well capitalized band.
Also written as Western Indiana CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 82789
- Headquarters
- Sullivan, IN
- Established
- 1932
- Total assets, Q2 2026
- $48.7M
- Assets vs Q2 2025
- +2.2%
- Members, Q2 2026
- 3,063
- Net worth ratio, Q2 2026
- 12.56%
- Latest call report
- Q2 2026, NCUA 5300 · Western Indiana Credit Union call report
- Asset rank in state
- 68th of 118 in Indiana
- Routing number
- 281378179
- Branches
- 3
It has 45 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.57 percentage points from 11.99% on June 30, 2025. Commercial loans are its largest loan category, $14.9M of $31.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.56% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Indiana
Credit unions merged into Western Indiana Credit Union
Frequently asked about Western Indiana Credit Union
How big is Western Indiana Credit Union?
At Q2 2026 it reported total assets of $48.7M and 3,063 members.
Where is Western Indiana Credit Union headquartered?
It is headquartered in Sullivan, IN, United States.
When was Western Indiana Credit Union founded?
It was established in 1932, per NCUA records.
Is Western Indiana Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 82789): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Western Indiana Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Western Indiana Credit Union well capitalized?
Its net worth ratio was 12.56% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Western Indiana Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Western Indiana Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.53% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sullivan, IN 47882
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 82789
- RSSD ID
- 145992
- Members
- 3,063
- Potential members
- 9,189
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.56% | 14.31% | 36th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.94% | 0.72% | 59th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.47% | 4.74% | 67th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.53% | 3.93% | 34th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 78.31% | 79.83% | 53rd above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.48% | 0.78% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.15% | 0.86% | 88th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.00% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 74.53% | 58.92% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$48.7M total assets against $47.7M; $42.3M total shares and deposits against $41.4M; $31.5M total loans against $31.3M.
$6.1M net worth against $5.7M.
12.56% net worth ratio against 11.99%.
74.53% loan-to-share ratio against 75.56%.
0.15% delinquency ratio against 0.59%.
0.94% return on assets against 0.75%; 7.47% return on equity against 6.23%.
3.53% net interest margin against 3.24%.
3,063 members against 3,018.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.56% | 0.94% | 0.15% | 74.53% |
| March 31, 2026 | 12.16% | 0.69% | 0.39% | 74.58% |
| December 31, 2025 | 11.74% | 0.78% | 0.11% | 70.10% |
| September 30, 2025 | 11.69% | 0.88% | 0.08% | 73.44% |
| June 30, 2025 | 11.99% | 0.75% | 0.59% | 75.56% |
| March 31, 2025 | 11.81% | 0.47% | 0.77% | 74.01% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.