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Credit union call report ยท Sullivan, IN

Western Indiana Credit Union Call Report

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Western Indiana Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 250 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Western Indiana Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number82789
Federal Reserve RSSD ID145992

The official copy: search charter number 82789 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Western Indiana Credit Union call report, Q2 2026

Statement of Financial Condition (27 items)
Western Indiana Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $603K
1c. Total Cash on Hand 730A $603K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $7.6M
2c. Cash on Deposit in Other Financial Institutions 730B2 $310K
2. Cash on Deposit (total) 730B $7.9M
3. Time Deposits in Banks and Credit Unions AS0007 $6.8M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $15.3M
12b. Perpetual Contributed Capital 769B $160K
13. TOTAL OTHER INVESTMENTS AS0017 $160K
15a. Number of Total Loans and Leases 025A 614
15b. Total Loans and Leases 025B $31.5M
17. ACL on Loans and Leases AS0048 $126K
19. Land and Building 007 $746K
20. Other Fixed Assets 008 $134K
22d. Accrued Interest on Loans 009A $248K
22f. All Other Assets 009C $736K
22g. Total Other Assets AS0036 $985K
23. TOTAL ASSETS 010 $48.7M
Accounts Payable and Other Liabilities 825 $119K
Accrued Dividends and Interest Payable 820A $167K
Member Shares of All Types 013 $42.3M
Total Shares and Deposits 018 $42.3M
Undivided Earnings 940 $4.6M
Net Income (equity) 602 $200K
Total Net Worth 997 $6.1M
Net Worth Ratio 998 12.56%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $48.7M
Statement of Income and Expense (22 items)
Western Indiana Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $968K
3. Income from Investments 120 $239K
5. TOTAL INTEREST INCOME 115 $1.2M
6. Dividends on Shares 380 $375K
9. TOTAL INTEREST EXPENSE 350 $375K
10. NET INTEREST INCOME IS0010 $832K
12a. Credit Loss Expense - Loans and Leases IS0011 $4K
12e. Total Credit Loss Expense IS0017 $4K
13. Fee Income 131 $69K
14. Other Operating Income IS0020 $102K
23. TOTAL NON-INTEREST INCOME 117 $172K
24. Employee Compensation and Benefits 210 $382K
25. Travel and Conference 230 $8K
26. Office Occupancy 250 $43K
27. Office Operations 260 $154K
28. Educational and Promotional 270 $39K
29. Loan Servicing 280 $24K
30. Professional and Outside Services 290 $123K
31. Member Insurance 310 $4K
32. Operating Fees 320 $22K
34. TOTAL NON-INTEREST EXPENSE 671 $800K
35. NET INCOME 661A $200K
Statement pages - all other filed accounts (18 items)

delinquency (21%), credit cards (21%)

Western Indiana Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $48K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $1K
Loans Granted Year-to-Date 031A $125
Amount of Loans Granted Year-to-Date 031B $12.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $47K
Number of current members (not number of accounts) 083 3,063
Number of potential members 084 9,189
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,400.00%
Interest Rate of New Vehicle Loans 523 524.00%
Interest Rate of Used Vehicle Loans 524 925.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $4K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $5K
Total Amount of All Other Shares 630 $36K
Amount of Regular Shares 657 $15.1M
Amount of Share Drafts 902 $7.9M
Share Certificates - < 1 Year 908A $5.0M
Total Amount of Share Certificates 908C $19.3M
Number of Used Vehicle Loans 968 114
NCUA form-section FS220A (17 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Western Indiana Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $28.0M
Total Shares - 1-3 Years 013B1 $14.3M
Total Shares and Deposits - < 1 Year 018A $28.0M
Total Shares and Deposits - 1-3 Years 018B1 $14.3M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 3
Effective date of last audit 063 $42K
Amount of Used Vehicle Loans 370 $1.3M
Amount of New Vehicle Loans 385 $864K
Amount of All Other Unsecured Loans/Lines of Credit 397 $231K
Share Certificates 451 $423
Number of Accounts for Share Drafts 452 1,339
Number of Accounts for Regular Shares 454 3,302
All other shares 455 $23
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,087
Number of credit union employees who are Full-Time (26 hours or more) 564A 7
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 4
Total credit lines 881 $4.0M
NCUA form-section FS220B (13 items)

maturity and repricing buckets (40%), credit cards (17%)

Western Indiana Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $42K
All other shares - < 1 Year 630A $36K
Amount of Regular Shares - < 1 Year 657A $15.1M
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $42.3M
Amount of Share Drafts - < 1 Year 902A $7.9M
Share Certificates - 1-3 Years 908B1 $14.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $3.9M
Number of New Vehicle Loans 958 27
Total Shares 966 $5K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $2K
Number of All Other Unsecured Loans/Lines of Credit 994 114
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 21
NCUA form-section FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Western Indiana Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $4
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $11.3M
Amount of Participation Loans Purchased Year-to-Date 690 $560K
Amount of Participation Loans Sold Year-to-Date 691 $1.6M
NCUA form-section FS220D (17 items)

member services and products offered (69%), CUSO relationships (27%)

Western Indiana Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
No Cost Bill Payer 879C2 $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA form-section FS220G (6 items)

loans and leases (32%), participation loans (18%)

Western Indiana Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $1.3M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $840K
Total Outstanding Amount of Participation Loans Sold By Type 691N $2.6M
Total Credit Lines at Corporate Credit Unions 884 $4.0M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $1.3M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $1.3M
NCUA form-section FS220H (3 items)

student loans (43%), delinquency (27%)

Western Indiana Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $2.9M
Total number of TDR loans outstanding 1000F $2
Total amount of TDR loans outstanding 1001F $1K
NCUA form-section FS220I (8 items)

vehicle lending (59%), delinquency (44%)

Western Indiana Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $9K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $1K
Number of Reportable Delinquent Used Vehicle Loans 035E2 3
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $47K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $3K
Commercial Share Accounts 643 $8.5M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $2K
NCUA form-section FS220L (42 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Western Indiana Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $614
Total Amount of Loans & Leases on Loan Schedule 025B1 $31.5M
Outstanding Balance of Member Commercial Loans Secured by Farmland 042A5 $5.9M
Outstanding Balance of Member Commercial Loans to finance agricultural production and other loans to farmers 042A6 $5.7M
Outstanding Balance of purchased or participation interests in commercial loans Secured by Farmland to nonmembers 042A7 $279K
Amount of Agricultural Commercial Loans 042A9 $11.8M
Total number of commercial loans to members granted or purchased YTD 090A1 $42
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $1
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 1
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $1
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $1
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 11
Number of Member commercial Loans to finance agricultural production and other loans to farmers granted or purchased YTD 099A6 30
Number of purchased or participation interests in commercial loans secured by farmland to nonmembers purchased YTD 099A7 1
Total outstanding balance of commercial loans to members 400A1 $14.6M
Total outstanding balance of nonmember commercial loans 400B1 $279K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $1.3M
Outstanding balance of Member Commercial and Industrial loans 400L2 $1.8M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $7.5M
Outstanding balance of all member and non-member commercial loans 400T1 $14.9M
Dollar Amount of Member Commercial loans to finance agricultural production and other loans to farmers granted or purchased YTD 463A6 $7.0M
Dollar Amount of Commercial loans or participation interests to nonmembers Secured by Farmland purchased YTD 463A7 $125K
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $8.1M
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $125K
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $54K
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $54K
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $125K
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $1.0M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 674.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 675.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 674.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 975.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $840K
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $2.6M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $689K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $13.5M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $688K
Total Outstanding Balance of real estate secured member commercial loans 718A3 $7.1M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $279K
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $7.4M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $2.8M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 5
NCUA form-section FS220M (18 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Western Indiana Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Commercial Loans 814K $2.3M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $535K
Total Unfunded Commitments for Non-Commercial Loans 816T $535K
Total number of member commercial loans 900A1 $164
Total number of nonmember commercial loans 900B1 $3
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 11
Total number of real estate secured member commercial loans 900K2 $53
Total number of real estate secured nonmember commercial loans 900K3 $3
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 56
Number of Member Commercial and Industrial loans 900L2 40
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 111
Total Number of Member and Nonmember commercial loans 900T1 $167
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 132
Number of member commercial loans Secured by Farmland 961A5 42
Number of member commercial loans to finance agricultural production and other loans to farmers 961A6 71
Number of purchased or participation interests in commercial loans secured by Farmland to nonmembers 961A7 3
Number of Agricultural Commercial Loans 961A9 116
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 60
NCUA form-section FS220N (2 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Western Indiana Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Total Liabilities LI0069 $42.6M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $48.7M
NCUA form-section FS220P (10 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Western Indiana Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $2K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $630
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $2K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $672K
All Other Unsecured Loans/Lines of Credit DL0022 $522
Used Vehicle Loans DL0037 $46K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $892
Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Owner Occupied, Non-Farm, Non-Residential Property DL0099 $37K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $46K
Amount of Consumer Loans in Non-Accrual Status DL0145 $1K
NCUA form-section FS220Q (14 items)

investment portfolio detail (69%)

Western Indiana Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.8M
Investment Maturity Distribution - Time Deposits - Total NV0116 $6.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $160K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $160K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $6.8M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $160K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $6.9M
RBC Total Equity RB0001 $6.1M
RBC Allowance for Credit Losses RB0002 $126K
RBC Total Additions RB0005 $126K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.2M
RBC Risk-Based Capital Numerator RB0012 $6.2M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $560K
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0051 $1.6M
NCUA form-section FS220R (28 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Western Indiana Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $160K
RBC Schedule Total Consumer Loans RB0060 $3.1M
RBC Schedule Total Commercial Loans RB0068 $14.9M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $126K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $126K
RBC Schedule Total Loans RB0079 $31.4M
RBC Total for Risk Weighting Total Loans RB0081 -$126K
RBC Total Loans 0% Weight RB0082 -$126K
RBC Schedule Total Other Assets RB0088 $1.9M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $48.7M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 -$126K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 -$126K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $48.7M
RBC Allowance for Credit Losses (Loans) RB0177 $126K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 19.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 1,929,782.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 1,600,018.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $113
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $11.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $1.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $13.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $3.0M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $132
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $13.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $3.0M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $13.5M
Total Shares SH0013 $42.3M
Total Shares and Deposits SH0018 $42.3M

Western Indiana Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Western Indiana Credit Union call report?

The Western Indiana Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Western Indiana Credit Union file?

Western Indiana Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Western Indiana Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Western Indiana Credit Union is 82789.

How often does Western Indiana Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Western Indiana Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.