State credit union · New Knoxville, Ohio · NCUA charter #66066
The Way
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $15.6M
- Total assets
- 742
- Members
- 8.7%
- Net-worth ratio
The Way scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.6M; members 742; net-worth ratio 8.70%; health rank #3,297 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,297 of 4,374 health · 2025Q4The Way · health 75/100 · $15.6M · 2025Q4
- ASSETS 75/100
- MEM 8.7%
- RANK n/a
- PHOTO 0.17%
- BOOK $15.6M
- CHARTER 742
- NCUSIF #3,297/4,374
- CAMELS Cen Tex Manufacturing
- HEALTH 66066
Call Report peers
The Way in the assets neighbourhood
The Way's $15.6M assets sit next to Cen Tex Manufacturing ($15.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
The Way vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for The Way
- Largest lag: Loan-to-Share Ratio at 0.00% vs peer 59.80% (-59.80 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
The Way: in-state Call Report ranks
- Health composite ranks #153 of 196 among scored Ohio credit unions.
- Assets rank #154 of 196 inside Ohio ($15.6M reported).
- Member book place in Ohio: #175 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
The Way: 2025Q4 → 2026Q1
The Way: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.0% from $15.6M (2025Q4) to $15.6M (2026Q1).
- Net-worth ratio shifted +0.16 pp (8.54% → 8.70%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.70%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 35.7 pts
- Return on Assets 13.5 pts
- Member Growth 17.8 pts
- Loan-to-Share Ratio 8.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.70% | -6.16 pp |
| Delinquency Rate | - | - |
| Return on Assets | 0.17% | -0.53 pp |
| Member Growth | 3.63% | - |
| Loan-to-Share Ratio | 0.00% | -59.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - The Way
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.6M | - |
| 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
Branch Locations (2)
The Way operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| The Way Credit Union (Main Office) | New Knoxville, OH |
| Disaster Recovery Site | Wapakoneta, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
The Way nationwide neighbourhoods
The Way's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- The Way ranks #3,297 of 4,374 nationally on financial health and #153 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Scott Associates is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Scott Associates
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is The Way financially healthy?
The Way has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,297 of 4,374; by total assets it ranks #3,305 of 4,374 nationally (same basis as /rankings/largest); and #154 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.70% and delinquency rate of -.
How does The Way compare to other credit unions?
On PlainCU's health composite, The Way lands at 75/100, 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 8.70% 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.
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.