Credit union · NCUA insured
Whiting Refinery Federal Credit Union
Top CarrotA $54.2M credit union headquartered in Whiting, IN, with 1,988 members and 1 branch in Indiana. Best rates: CDs 5.12% and savings 2.02% APY.
Whiting Refinery Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#2 of 124 in Chicago, IL-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Whiting Refinery Federal Credit Union
- Headquarters
- 1339 119th St, Whiting, IN 46394
- NCUA charter
- 198
Branches
1 branch in Indiana
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Indiana
1 branch
- Whiting Refinery FCUMain office1339 119th St, Whiting, IN 46394Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 26.52% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.34% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $61 | $59 | — |
- CapitalNet worth ratio26.52%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.34%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$61Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Whiting Refinery Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.