State credit union · New Knoxville, Ohio · NCUA charter #66066
The Way
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $15.6M
- Total assets
- 742
- Members
- 7.4%
- Net-worth ratio
The Way - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66066. See our deposit-insurance coverage note.
The Way - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)78
- Asset quality (delinquency)-
- Earnings (ROA)67
- Member growth89
- Liquidity (loan-to-share)40
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.39% | 30% |
| Delinquency Rate | - | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | 3.63% | 15% |
| Loan-to-Share Ratio | 0.00% | 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 | $15.6M | 742 |
| 2024Q4 | $14.1M | 716 |
| 2023Q4 | $14.0M | 699 |
Credit Union Details
- Charter Number
- 66066
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- New Knoxville
- Data Quarter
- 2025Q4
What This Data Says About The Way
Charter #66066, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's The Way, a state credit union in New Knoxville, Ohio with 742 members, $15.6M in total assets, and $0 in outstanding loans as of Q4 2025. The five-factor composite scores it 71/100 (Very Good), helped by a net worth ratio of 7.39% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a - 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 looser than peers - and a 0.00% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.17% on net income of $27K 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 3.63%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
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 The Way financially healthy?
The Way has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.39% and delinquency rate of -.
How does The Way compare to other credit unions?
On PlainCU's health composite, The Way lands at 71/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 The Way?
Membership eligibility for The Way depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact The Way directly for current membership requirements and application steps.
Is my money safe at The Way?
Federal credit unions like The Way 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. The Way's net worth ratio of 7.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Way offer compared to banks?
Credit unions like The Way 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 The Way 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.