WESTERN INDIANA CREDIT UNION
Charter #82789 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
WESTERN INDIANA CREDIT UNION has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.4% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Loan-to-Member Ratio (LMR): Top 6.7% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,037
+1.6% YoY+0.6% QoQ
|
+411 |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
68th in tier |
| Assets |
$49.8M
+14.7% YoY+4.5% QoQ
|
+$20.0M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Top 22.8% in tier |
| Loans |
$32.0M
+4.0% YoY+2.3% QoQ
|
+$16.3M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Top 16.2% in tier |
| Deposits |
$43.6M
+16.0% YoY+5.3% QoQ
|
+$18.2M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Top 22.3% in tier |
| ROA |
0.7%
-33.3% YoY+14.4% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
46th in tier |
| NIM |
3.2%
-14.6% YoY+0.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.6% in tier |
| Efficiency Ratio |
79.1%
+6.0% YoY-1.2% QoQ
|
-2.3% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
52nd in tier |
| Delinquency Rate |
0.1%
-86.7% YoY-86.1% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 19.3% in tier |
| Loan To Share |
73.4%
-10.4% YoY-2.8% QoQ
|
+12.2% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
68th in tier |
| AMR |
$24,910
+8.8% YoY+3.3% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Top 8.1% in tier |
| CD Concentration |
49.9%
+6.9% YoY-5.2% QoQ
|
+25.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
89
Asset Growth Rate
growth
Value:
14.71%
Peer Avg: 1.82%
#89 of 2596
Top 3.4% in <100M tier
89
Deposit Growth Rate
growth
Value:
16.04%
Peer Avg: 16.80%
#89 of 2596
Top 3.4% in <100M tier
174
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,548
Peer Avg: $5,488
#174 of 2596
Top 6.7% in <100M tier
209
Average Member Relationship (AMR)
engagement
Value:
$24,910
Peer Avg: $14,627
#209 of 2596
Top 8.0% in <100M tier
305
AMR Growth Rate
growth
Value:
8.84%
Peer Avg: 4.67%
#305 of 2596
Top 11.7% in <100M tier
420
Total Loans
balance_sheet
Value:
$32.03M
Peer Avg: $15.77M
#420 of 2596
Top 16.1% in <100M tier
498
Member Growth Rate
growth
Value:
1.64%
Peer Avg: 14.92%
#498 of 2596
Top 19.1% in <100M tier
503
Total Delinquency Rate (60+ days)
risk
Value:
0.08%
Peer Avg: 1.51%
#503 of 2596
Top 19.3% in <100M tier
579
Total Deposits
balance_sheet
Value:
$43.62M
Peer Avg: $25.45M
#579 of 2596
Top 22.3% in <100M tier
Top Weaknesses (3 metrics)
2510
Share Certificate Concentration (%)
balance_sheet
Value:
49.85%
Peer Avg: 15.37%
#2510 of 2596
Bottom 3.4% in <100M tier
2271
First Mortgage Concentration (%)
balance_sheet
Value:
40.69%
Peer Avg: 14.49%
#2271 of 2596
Bottom 12.6% in <100M tier
1984
Net Interest Margin (NIM)
profitability
Value:
3.19%
Peer Avg: 3.93%
#1984 of 2596
Bottom 23.6% in <100M tier