Federal credit union · Richmond, Indiana · NCUA charter #14449
Wayne County
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $13.0M
- Total assets
- 1,085
- Members
- 14.4%
- Net-worth ratio
Wayne County scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.0M; members 1,085; net-worth ratio 14.44%; health rank #1,424 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,424 of 4,374 health · 2025Q4Wayne County · health 88/100 · $13.0M · 2025Q4
- MEM 88/100
- RANK 14.4%
- PHOTO 0.19%
- BOOK 1.96%
- CHARTER $13.0M
- NCUSIF 1,085
- CAMELS #1,424/4,374
- HEALTH Transfiguration Parish
- NW 14449
Call Report peers
Wayne County in the assets neighbourhood
Wayne County's $13.0M assets sit next to Transfiguration Parish ($13.0M) 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.
Wayne County 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
88 Top 35% higher than 65% 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
Wayne County - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14449 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Wayne County: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +1.26 pp (1.96% vs 0.70%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.27 pp (43.53% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wayne County: in-state Call Report ranks
- Health composite ranks #44 of 124 among scored Indiana credit unions.
- Assets rank #102 of 124 inside Indiana ($13.0M reported).
- Membership ranks #105 of 124 among Indiana CUs with a reported count (1,085 members).
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Wayne County
Wayne County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $13.0M (2025Q4) to $13.1M (2026Q1).
- Net-worth ratio shifted +0.11 pp (14.33% → 14.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 9.8 pts
Wayne County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.44% | -0.42 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 1.96% | +1.26 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 43.53% | -16.27 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).
Wayne County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.1M | - |
| 2025Q4 | $13.0M | 1,085 |
| 2024Q4 | $13.4M | 1,090 |
| 2023Q4 | $13.3M | 1,125 |
Credit Union Details
- Charter Number
- 14449
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Richmond
- Data Quarter
- 2025Q4
Branch Locations (2)
Wayne County operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wayne County FCU (Main Office) | Richmond, IN |
| Natco CU | Connersville, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Wayne County
Wayne County's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Wayne County ranks #1,424 of 4,374 nationally on financial health and #44 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- A H E Plant 3 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with A H E Plant 3
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 Wayne County financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Wayne County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,424 of 4,374; by total assets it ranks #3,411 of 4,374 nationally (same basis as /rankings/largest); and #102 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.44% net worth ratio and 0.19% delinquency rate are the key drivers.
How does Wayne County compare to other credit unions?
PlainCU's health composite puts Wayne County at 88/100, 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 Wayne County?
Wayne County 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 Wayne County directly for the exact boundaries and application steps.
Is my money safe at Wayne County?
Federal credit unions like Wayne County 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. Wayne County's net worth ratio of 14.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wayne County offer compared to banks?
Credit unions like Wayne County 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 Wayne County 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.