# WESTERN INDIANA CREDIT UNION
Sullivan, IN · NCUA charter 82789 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/western-indiana-credit-union-82789

Who the members are: state charter, organized 1932. 3,055 members of 9,165 potential (33.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $49.4M |
| Members | 3,055 (1.5% YoY) |
| Full-time staff | 9 |
| Net worth | $6.0M |
| Net worth ratio | 12.2% (p32 of band) |
| ROA (annualized) | 0.69% (p56 of band) |
| Total delinquency | 0.39% (p40 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 30.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.26% (p26 of band) |
| Operating expense / assets | 3.13% (p35 of band) |
| Vehicles % of loans | 7% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p87 of band) |
| Vehicle delinquency | 1.72% (p76 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 253% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 46% |
| Average share balance | $8,463 |
| Participations bought / yr | $500,000 |
| Participations sold / yr | $670,188 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $50,573 |
| Loans granted, annualized | $21.8M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans>95% of shares |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising | loans>95% of shares |
| 2017-06 | 1 |  | delinquency rising |
| 2017-09 | 2 | loans>95% of shares |  |
| 2017-12 | 3 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2018-03 | 2 |  | net worth falling |
| 2018-06 | 2 | loans>95% of shares | delinquency 2x band |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 0 |  | loans>95% of shares, delinquency 2x band |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | delinquency 2x band |  |
| 2020-03 | 1 |  | delinquency 2x band |
| 2020-06 | 0 |  | net worth falling |
| 2020-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2021-03 | 4 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze, delinquency rising |
| 2021-12 | 3 | delinquency rising, assets shrinking |  |
| 2022-03 | 5 | thin capital, charge-offs p90, repo signal | delinquency rising |
| 2022-06 | 5 | net worth falling, loans>95% of shares | assets shrinking, repo signal |
| 2022-09 | 1 |  | thin capital, charge-offs p90, net worth falling, loans>95% of shares |
| 2022-12 | 1 | loans>95% of shares | delinquency 2x band |
| 2023-03 | 0 |  | loans>95% of shares |
| 2023-06 | 3 | delinquency 2x band, assets shrinking, loan book shrinking |  |
| 2023-09 | 0 |  | delinquency 2x band, assets shrinking, loan book shrinking |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 2 | delinquency 2x band |  |
| 2024-06 | 0 |  | delinquency rising, delinquency 2x band |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 | net worth falling | delinquency rising |
| 2025-03 | 0 |  | net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-13 [Credit Unions Take Stakes in FinTechs to Control the Roadmap - PYMNTS.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQVdnMWxoQXdNa2tyQXplaFRLbGQ1YWV3Q3ZSbVdXcUtYUlR3Mklubm9HSjluakxXY2dsekZKMjF5X3RoSkgyWmh4dHJ6cTlHRWZuRFF0NGRtc3NqVmRuZEF6Uy1Fc3pFMGdnUHhnWXBsSVNWVUtlZ0wwMkgzM0JxQXlBM1JpZ2EzNzlXVndabUxnQXhfcnc1TXVjNFk1czlxNmprb0hn?oc=5) · PYMNTS.com
- 2026-03-30 [Indiana State University enters new partnership for workforce development - Inside INdiana Business](https://news.google.com/rss/articles/CBMivAFBVV95cUxQTmhwN1d3NlVma2pQN20wUE96TEpDaHRmZUlxenZZbjVBU1dhNVZVZV9Fb21zdHZ4bEdDVUUtdFBYZmk1TEpvZGlXYVNUbDNtNkhReHh6RU50NUJGdGhHMzJnZDB0dV9FSHlXQTBxZDZNTVBmS21Qb0NQX1UyMFF0dy0zX3VBeTZNTTJmV1hSMUxCc21kQWVaR0Jwb0xKcWxlZ2FFMDB6V0w4QmExUzZ2MUNrODBBcDE5R2d3ZA?oc=5) · Inside INdiana Business
- 2018-04-20 [Great Lakes Credit Union hires new President/CEO - CUInsight](https://news.google.com/rss/articles/CBMikwFBVV95cUxQckQybzNlR0pBUk9Nd3JZbl9TUFd3QV9OWmZkbUhQQjk4VFk4SXpXWjBZaTZOZ0lNQXlHeTdXQjgyZGpyT0llcFMtQ2xDUi02MUdHclVWYVlQVUdHSVlFMmZUUEwwTnpMSHNHVlZHRFRuaG8zU3NYaW8wOW5SRmVnZEJUNmozWFZMRlBvV2VUam9vaEE?oc=5) · CUInsight
- 2025-01-28 [Vibrant Credit Union Changing Hands - Vermilion County First](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ1JRTlp1ZVVzcHNMV193dFB3UDRrdDZjblAxN1FOSFk4LWJMUkR3RC1SVGFTTW1DRGN4NTI0eUJzd2FrUzBWSVVUa2FRMFNmdjNKRmlzNkM5Ukdody1oV2Q2RDZMZlNLT0V0SUZWUmxTdXpZeUJfcjZsbllrYTRoN3hTTGt1bWM?oc=5) · Vermilion County First
- 2019-11-26 [Walker’s Winter Outlook - MyWabashValley.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE11QjNHRGtTdFQ4c2dnMlZMcFI0VkprcUt1UnpuT0VONkE4emlwY2hjN19HZjNUYTA0a2JSZEZNZ0sxZ3RYemR0bzZVLVR0cDlaR2N5bHpfT21jQ1NwdlcxczJLRUk?oc=5) · MyWabashValley.com
- 2026-03-20 [Spradley facing criminal charges in Humane Society kennel case - Vincennes Sun-Commercial](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSjd4OVNLOFFOcVJ5Qi04QVJzQ1NhdUptU1VLdjQ1LTJTX1U1UFVJNEc4TldTNy0zMm11ZU5CeVh1QmhvVDNCaGlLMTBBaGdyZ2xwdWNsUi02dHFzdm50YTZUMUhYYlFRSi02U0dRMGxmSW94dUVScWhBUXliWUlKb0t4RlFDc2VrU1lHTFVqN0R0S2Z3OWZF?oc=5) · Vincennes Sun-Commercial
- 2014-06-16 [New Franciscan Alliance WorkingWell Site Welcomed in Rensselaer - GreatNews.Life](https://news.google.com/rss/articles/CBMimwFBVV95cUxOYWpmWGE4NUY4MWJhQmtLTlZkSlZza012cGZiREdSY2t1QmJjbXJWb2dCRjAwNHRCTmRlQ0dkQ0hjeERXSHBBM21DbWEwWFN0S01nN1lucWluaEp6ODBqNzVxY0hnbWU2LUZqNVVUOUhHdWZndzRvekhlUDRpN2djektxTGVoWDFrcnk0SHBIVmxQZHRWNkN1NGxIcw?oc=5) · GreatNews.Life
- 2025-02-18 [Local Scouting America council set to sell Indy HQ, western Indiana camp - Inside INdiana Business](https://news.google.com/rss/articles/CBMiugFBVV95cUxNc3N1LUVEdHFaRmVONGhTTzY2M2NISWJHYjVNQTl0UnFzWjN5Zkp0OXFUd2xSR3BQMDBnTEpJQWJwREpTcXFoT2w4UFBkb0pJcjhES2hIc3U0TGFoOXB0NDFjNHBUbHk0Yy1kQ0h5MVRzLXhNVVNXMW5DYVV1WWFHNXVrUmp4WndfS0g5NlpCR1dfSzIxNTVibUxKV2Z2N1NJc1hyYlJnTVBDRmJfX2g5QXFXaUQxVEZhM1E?oc=5) · Inside INdiana Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=82789 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "82789", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=82789
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide