BlastPoint's Credit Union Scorecard
WHITING REFINERY
Charter #198 · IN
WHITING REFINERY has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 3.5% in tier
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
- + Loan Growth Rate: Top 8.8% in tier
- + Net Worth Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Fee Income Per Member: Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - First Mortgage Concentration (%): Bottom 5.6% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,048
+0.2% YoY+1.1% QoQ
|
-577 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$52.8M
+3.7% YoY+0.0% QoQ
|
+$22.9M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$24.2M
+11.4% YoY+5.8% QoQ
|
+$8.5M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$38.8M
+4.5% YoY+0.1% QoQ
|
+$13.4M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
0.6%
+334.4% YoY-0.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
41% |
| NIM |
2.1%
+43.2% YoY-0.4% QoQ
|
-1.8% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
69.1%
-23.7% YoY-0.3% QoQ
|
-12.3% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.2%
+368.8% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
62.4%
+6.6% YoY+5.6% QoQ
|
+1.2% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$30,802
+6.9% YoY+1.1% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 3.6% in tier |
| CD Concentration |
40.0%
+2.5% YoY+0.4% QoQ
|
+15.6% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
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)