This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
KOKOMO, IN
Health score
76.5
Total assets
$49.7M
Credit union
Whiting, IN
Health score
65.8
Total assets
$53.4M
Answer first
INDIANA HEARTLAND leads on financial health and profitability; WHITING REFINERY leads on capitalization and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
INDIANA HEARTLAND
Higher TFS health score
Capitalization
WHITING REFINERY
Higher comparable capital ratio
Profitability
INDIANA HEARTLAND
Higher return on assets
Lending quality
WHITING REFINERY
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | INDIANA HEARTLAND | WHITING REFINERY |
|---|---|---|
| TFS health score | 76.5/100Leads | 65.8/100 |
| Total assets | $49.7M | $53.4M |
| Total deposits / shares | $43.5M | $39.2M |
| Net worth ratio | 11.57% | 26.52%Leads |
| Return on assets | 1.66%Leads | 0.52% |
| Return on equity | 14.36%Leads |
INDIANA HEARTLAND
2 branches
WHITING REFINERY
1 branches
Both institutions report branches in 1 state: IN.
INDIANA HEARTLAND
Unavailable
WHITING REFINERY
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
INDIANA HEARTLAND
0 in TFS registry
WHITING REFINERY
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | INDIANA HEARTLAND score | INDIANA HEARTLAND ROA | WHITING REFINERY score | WHITING REFINERY ROA |
|---|---|---|---|---|
| 2026-Q1 | 78.8/100 | 1.78% | 63.2/100 | 0.06% |
| 2026-Q2 | 76.5/100 | 1.66% | 65.8/100 | 0.52% |
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Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 1.95% |
| 60+ day delinquency | 2.94% | 1.34%Leads |
| Net charge-offs | 0.28% | 0.10%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 82.18% | 60.64% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |