Federal credit union · Rittman, Ohio · NCUA charter #4369
Greater Wayne Community
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $33.3M
- Total assets
- 3,213
- Members
- 8.4%
- Net-worth ratio
Greater Wayne Community - Share Insurance Coverage
Charter #4369's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Greater Wayne Community - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)87
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth74
- Liquidity (loan-to-share)74
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.42% | 30% |
| Delinquency Rate | 0.75% | 25% |
| Return on Assets | 0.93% | 15% |
| Member Growth | 1.77% | 15% |
| Loan-to-Share Ratio | 52.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $33.3M | 3,213 |
| 2024Q4 | $30.6M | 3,157 |
| 2023Q4 | $30.1M | 3,194 |
Credit Union Details
- Charter Number
- 4369
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Rittman
- Data Quarter
- 2025Q4
What This Data Says About Greater Wayne Community
The five-factor composite scores Greater Wayne Community at 86/100 (Excellent), reflecting a net worth ratio of 8.42% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Rittman, Ohio, reports 3,213 members, $33.3M in total assets, and $15.6M in outstanding loans as of Q4 2025 under charter #4369 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Two more numbers round out the picture: a 0.75% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 52.50% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.93% on net income of $309K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.77%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Greater Wayne Community financially healthy?
Greater Wayne Community scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.42% net worth ratio and a 0.75% delinquency rate.
How does Greater Wayne Community compare to other credit unions?
PlainCU's health composite puts Greater Wayne Community at 86/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Greater Wayne Community?
Greater Wayne Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Greater Wayne Community directly for the exact boundaries and application steps.
Is my money safe at Greater Wayne Community?
Federal credit unions like Greater Wayne Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Greater Wayne Community's net worth ratio of 8.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Wayne Community offer compared to banks?
Credit unions like Greater Wayne Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greater Wayne Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.