BlastPoint's Credit Union Scorecard
WHITING REFINERY
Charter #198 · IN
WHITING REFINERY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 4.7% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Fee Income Per Member: Bottom 0.1% in tier
- - First Mortgage Concentration (%): Bottom 4.6% in tier
- - Net Interest Margin (NIM): Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,988
-1.9% YoY-2.6% QoQ
|
-688 |
2,676
+1.6% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$54.2M
+3.2% YoY+2.8% QoQ
|
+$24.0M |
$30.2M
+1.3% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
79% |
| Loans |
$23.5M
+5.8% YoY+0.4% QoQ
|
+$8.3M |
$15.3M
-2.0% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$40.1M
+3.5% YoY+3.7% QoQ
|
+$14.3M |
$25.8M
+0.7% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.1%
-90.8% YoY-90.1% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
2.2%
+13.5% YoY-0.8% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio |
90.4%
+38.8% YoY+34.8% QoQ
|
-0.2% |
90.6%
+6.5% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
1.3%
+1708.2% YoY+1228.4% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
58.7%
+2.1% YoY-3.1% QoQ
|
+0.2% |
58.5%
-3.0% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$32,001
+6.4% YoY+5.2% QoQ
|
+$17K |
$14,884
-1.7% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.2% in tier |
| CD Concentration |
35.3%
-9.3% YoY-10.5% QoQ
|
+11.1% | 24.3% | 18.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)