Whiting Refinery

Whiting, IN · 1 · Charter #198 · www.wrfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$52.7M
3th percentile
Members
2,041
1th percentile
Total loans
$23.4M
7th percentile
Total shares
$38.7M
0th percentile

Profitability

Return on assets
0.67%
26th percentile
Net interest margin
2.22%
3th percentile
Efficiency ratio
33.34%
98th percentile
Non-interest income ratio
-4.64%
0th percentile

Capital & Risk

Net worth ratio
26.57%
99th percentile
Delinquency rate
0.10%
94th percentile
Net charge-off rate
0.01%
96th percentile
Loan-to-share
60.59%
37th percentile

Growth

Member growth YoY
0.00%
58th percentile
Asset growth YoY
3.29%
44th percentile
Loan growth YoY
4.13%
66th percentile
Share growth YoY
3.55%
52th percentile

Operations

Members / branch
2,041
22th percentile
Assets / member
$25,832
94th percentile
Field of membership penetration
32.40%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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