Federal credit union · Cincinnati, Ohio · NCUA charter #10859
W T Community
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $4.8M
- Total assets
- 618
- Members
- 10.2%
- Net-worth ratio
W T Community scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 618; net-worth ratio 10.18%; health rank #3,197 of 4,374; healthier than 26th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,197 of 4,374 health · 2025Q4W T Community · health 76/100 · $4.8M · 2025Q4
Call Report peers
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W T Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); W T Community sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
W T Community: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.06% vs peer 1.81% (-1.75 pp).
- Largest lag: Net Worth Ratio at 10.18% vs peer 19.06% (-8.88 pp).
W T Community: in-state Call Report ranks
- Health composite ranks #149 of 196 among scored Ohio credit unions.
- Ohio assets place: #180 of 196.
- Member book place in Ohio: #180 of 196.
- One place up in Ohio, Unity Catholic (#148) scores 77/100, 1 point higher; one place down, St. Paschal Baylons (#150) scores 75/100, 1 point lower.
Quarter path for W T Community
W T Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -8.4% from $4.8M (2025Q4) to $4.4M (2026Q1).
- Net-worth ratio shifted +0.75 pp (9.43% → 10.18%).
This credit union's 10.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
W T Community gives up 24 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 13.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.18% | -8.88 pp |
| Delinquency Rate | 0.06% | -1.75 pp |
| Return on Assets | -1.73% | -2.19 pp |
| Member Growth | -0.80% | - |
| Loan-to-Share Ratio | 63.41% | -0.19 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
W T Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.4M | - |
| 2025Q4 | $4.8M | 618 |
| 2024Q4 | $5.3M | 623 |
| 2023Q4 | $6.3M | 651 |
Credit Union Details
- Charter Number
- 10859
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Ohio
- City
- Cincinnati
- Data Quarter
- 2025Q4
Branch Location
W T Community operates a single office in Cincinnati, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| WT FEDERAL CREDIT UNION (Main Office) | Cincinnati, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for W T Community
Using this data
- W T Community ranks #3,197 of 4,374 nationally on financial health and #149 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NOTEWORTHY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NOTEWORTHY
Frequently Asked Questions
Is W T Community financially healthy?
W T Community has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,197 of 4,374 nationally on health and #149 of 196 in Ohio. Its net worth ratio is 10.18% and its delinquency rate 0.06%.
How does W T Community compare to other credit unions?
W T Community scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.06% vs 1.81%). Its widest shortfall is net worth ratio (10.18% vs 19.06%).
How can I join W T Community?
W T 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 W T Community directly for the exact boundaries and application steps.
Is my money safe at W T Community?
W T Community is a federal credit union; its shares are federally 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. W T Community's net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.