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
Call Report peers
Wayne County Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Wayne County Community sits in 60-64 with 179 others.
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 vs $50M–$100M peers
- Largest lag: Loan-to-Share Ratio at 40.94% vs peer 62.60% (-21.66 pp).
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.
- One place up in Ohio, Port Conneaut (#174) ties at 62/100; one place down, Tappan Community Credit Union, Inc. (#176) scores 61/100, 1 point lower.
Wayne County Community Call Report trajectory
Wayne County Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $53.1M (2025Q4) to $54.1M (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.95% → 10.91%).
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
Wayne County Community gives up 38 points in total. Delinquency Rate costs the most, 16 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Wayne County Community financially healthy?
Wayne County Community has a financial health score of 62/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,999 of 4,374 nationally on health and #175 of 196 in Ohio. Its net worth ratio is 10.91% and its delinquency rate 2.55%.
How does Wayne County Community compare to other credit unions?
Wayne County Community scores 62/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (40.94% vs 62.60%).
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?
Wayne County 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. Wayne County Community's net worth ratio of 10.91% 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.