Federal credit union · WAYCROSS, Georgia · NCUA charter #15265
Ware County School Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $6.3M
- Total assets
- 795
- Members
- 13.5%
- Net-worth ratio
Ware County School Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.3M; members 795; net-worth ratio 13.48%; health rank #615 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#615 of 4,374 health · 2025Q4Ware County School Employees · health 93/100 · $6.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ware County School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Ware County School Employees sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Ware County School Employees: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +14.60 pp (78.20% vs 63.60%).
- Largest lag: Net Worth Ratio at 13.48% vs peer 19.06% (-5.58 pp).
Ware County School Employees in Georgia
- Georgia health ordinal: #16 of 74.
- Georgia assets place: #57 of 74.
- Membership ranks #61 of 74 among Georgia CUs with a reported count (795 members).
- One place up in Georgia, SOUTHEASTERN (#15) scores 94/100, 1 point higher; one place down, Georgia Heritage (#17) ties at 93/100.
Ware County School Employees Call Report trajectory
Ware County School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $6.3M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (13.53% → 13.48%).
13.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Ware County School Employees gives up 7 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.9 pts
Ware County School Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.48% | -5.58 pp |
| Delinquency Rate | 0.03% | -1.78 pp |
| Return on Assets | 0.71% | +0.26 pp |
| Member Growth | -0.50% | - |
| Loan-to-Share Ratio | 78.20% | +14.60 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Ware County School Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.4M | - |
| 2025Q4 | $6.3M | 795 |
| 2024Q4 | $6.2M | 799 |
| 2023Q4 | $6.7M | 818 |
Credit Union Details
- Charter Number
- 15265
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- WAYCROSS
- Data Quarter
- 2025Q4
Branch Location
Ware County School Employees operates a single office in WAYCROSS, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | WAYCROSS, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Ware County School Employees ranks #615 of 4,374 nationally on financial health and #16 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rig Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rig Employees
Frequently Asked Questions
Is Ware County School Employees financially healthy?
Ware County School Employees has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #615 of 4,374 nationally on health and #16 of 74 in Georgia. Its net worth ratio is 13.48% and its delinquency rate 0.03%.
How does Ware County School Employees compare to other credit unions?
Ware County School Employees scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.20% vs 63.60%). Its widest shortfall is net worth ratio (13.48% vs 19.06%).
How can I join Ware County School Employees?
Ware County School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Ware County School Employees directly to confirm eligibility.
Is my money safe at Ware County School Employees?
Ware County School Employees 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. Ware County School Employees's net worth ratio of 13.48% 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.