Credit Union Safety Analysis
Is Western Indiana Credit Union Safe? Sullivan, Indiana
Based on its Q2 2026 NCUA 5300 call report, Western Indiana Credit Union has a net worth ratio of 12.56%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.15%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Western Indiana Credit Union's net worth ratio is 12.56%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.56%
- Delinquency ratio (60+ days) (Q2 2026): 0.15%
- Return on assets (Q2 2026): 0.94%
- Loan-to-share ratio (Q2 2026): 74.53%
Western Indiana Credit Union (NCUA charter 82789, established 1932) reported $48.7M in assets and 3,063 members for Q2 2026 from Sullivan, Indiana. It ranks 68 of 118 credit unions in Indiana by total assets. Total assets grew 2.2% from $47.7M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.16% for Q1 2026; 11.99% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.39% for Q1 2026; 0.59% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.69% for Q1 2026; 0.75% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 74.58% for Q1 2026; 75.56% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $14.9M
- 1- to 4-family residential and other consumer real estate loans: $13.5M
- Used vehicle loans: $1.3M
- New vehicle loans: $864K
- Other secured non-real estate loans and lines of credit: $689K
- Other unsecured loans and lines of credit: $231K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $48.7M | 12.56% | 0.15% | 0.94% | 74.53% |
| March 31, 2026 | $49.4M | 12.16% | 0.39% | 0.69% | 74.58% |
| December 31, 2025 | $50.5M | 11.74% | 0.11% | 0.78% | 70.10% |
| September 30, 2025 | $49.8M | 11.69% | 0.08% | 0.88% | 73.44% |
| June 30, 2025 | $47.7M | 11.99% | 0.59% | 0.75% | 75.56% |
| March 31, 2025 | $47.8M | 11.81% | 0.77% | 0.47% | 74.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Western Indiana Credit Union profile
Regulator records: NCUA credit union profile (charter 82789) · FFIEC NIC profile (RSSD 145992)
Frequently asked questions
Is Western Indiana Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Western Indiana Credit Union's net worth ratio is 12.56%, above the 7% NCUA threshold for well capitalized.
Is Western Indiana Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Western Indiana Credit Union is a federally insured credit union (NCUA charter 82789): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Western Indiana Credit Union's key safety ratios?
For Q2 2026, Western Indiana Credit Union reports net worth 12.56%, delinquency 0.15%, ROA 0.94%, loan-to-share 74.53%.
What happens to my money if Western Indiana Credit Union fails?
For Q2 2026, Western Indiana Credit Union held $42.3M in shares and deposits for 3,063 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.