Federal credit union · Smithville, Ohio · NCUA charter #17449
Wayne County Community
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $53.1M
- Total assets
- 4,373
- Members
- 10.9%
- Net-worth ratio
Wayne County Community scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.1M; members 4,373; net-worth ratio 10.91%; health rank #3,999 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,999 of 4,374 health · 2025Q4Wayne County Community · health 62/100 · $53.1M · 2025Q4
- NW 62/100
- DELQ 10.9%
- ROA 2.55%
- ASSETS 0.36%
- MEM $53.1M
- RANK 4,373
- PHOTO #3,999/4,374
- BOOK 5 Star Community
- CHARTER 17449
Call Report peers
Wayne County Community in the assets neighbourhood
Wayne County Community's $53.1M assets sit next to 5 Star Community ($53.1M) 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 Community 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
62 8th percentile higher than 8% 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 Community - Share Insurance Coverage
Charter #17449's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Wayne County Community vs $50M–$100M peers
- Largest lag: Loan-to-Share Ratio at 40.94% vs peer 62.60% (-21.66 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wayne County Community in Ohio
- In Ohio, health place is #175 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #106 of 196.
- Member book place in Ohio: #104 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.
Wayne County Community Call Report trajectory
Wayne County Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $53.1M (2025Q4) to $54.1M (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.95% → 10.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.0 pts
- Return on Assets 12.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.1 pts
Call Report ratios for Wayne County Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.91% | -2.71 pp |
| Delinquency Rate | 2.55% | +1.59 pp |
| Return on Assets | 0.36% | -0.30 pp |
| Member Growth | -6.32% | - |
| Loan-to-Share Ratio | 40.94% | -21.66 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.1M | - |
| 2025Q4 | $53.1M | 4,373 |
| 2024Q4 | $51.2M | 4,668 |
| 2023Q4 | $47.7M | 4,663 |
Credit Union Details
- Charter Number
- 17449
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Smithville
- Data Quarter
- 2025Q4
Branch Locations (3)
Wayne County Community operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wayne County Community FCU (Main Office) | Smithville, OH |
| Orrville Branch | Orrville, OH |
| Valera Shared Branch Network | Smithville, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Wayne County Community - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Wayne County Community ranks #3,999 of 4,374 nationally on financial health and #175 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Toledo Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Toledo Police
- 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 Wayne County Community financially healthy?
A 10.91% net worth ratio and a 2.55% delinquency rate feed into Wayne County Community's financial health score of 62/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,999 of 4,374; by total assets it ranks #2,362 of 4,374 nationally (same basis as /rankings/largest); and #106 of 196 within Ohio. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Wayne County Community compare to other credit unions?
Wayne County Community scores 62/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Wayne County Community?
Wayne County 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 Wayne County Community directly for the exact boundaries and application steps.
Is my money safe at Wayne County Community?
Federal credit unions like Wayne County Community 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 Community's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wayne County Community offer compared to banks?
Credit unions like Wayne County Community 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 Community 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.