Federal credit union · Westland, Michigan · NCUA charter #5928
WAYNE-WESTLAND
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $155.2M
- Total assets
- 10,836
- Members
- 10.7%
- Net-worth ratio
WAYNE-WESTLAND scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $155.2M; members 10,836; net-worth ratio 10.69%; health rank #1,826 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,826 of 4,374 health · 2025Q4WAYNE-WESTLAND · health 86/100 · $155.2M · 2025Q4
Call Report peers
WAYNE-WESTLAND in the assets neighbourhood
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WAYNE-WESTLAND vs every NCUA-scored credit union
WAYNE-WESTLAND sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
WAYNE-WESTLAND vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.17 pp (0.80% vs 0.62%).
- Largest lag: Loan-to-Share Ratio at 53.73% vs peer 72.20% (-18.47 pp).
Where WAYNE-WESTLAND sits in Michigan
- Health composite ranks #90 of 171 among scored Michigan credit unions.
- By total assets, WAYNE-WESTLAND is #92 of 171 in Michigan.
- Membership ranks #93 of 171 among Michigan CUs with a reported count (10,836 members).
- One place up in Michigan, Advantage One (#89) ties at 86/100; one place down, COMPASS (#91) ties at 86/100.
How WAYNE-WESTLAND's 5300 filing moved
WAYNE-WESTLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $155.2M (2025Q4) to $159.7M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.81% → 10.69%).
At 10.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
WAYNE-WESTLAND gives up 14 points in total. Member Growth costs the most, 8.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 11.3 pts
WAYNE-WESTLAND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.69% | -1.42 pp |
| Delinquency Rate | 0.72% | -0.17 pp |
| Return on Assets | 0.80% | +0.17 pp |
| Member Growth | -1.15% | - |
| Loan-to-Share Ratio | 53.73% | -18.47 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
WAYNE-WESTLAND quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $159.7M | - |
| 2025Q4 | $155.2M | 10,836 |
| 2024Q4 | $144.3M | 10,962 |
| 2023Q4 | $144.0M | 11,016 |
Credit Union Details
- Charter Number
- 5928
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Westland
- Data Quarter
- 2025Q4
Branch Location
WAYNE-WESTLAND operates a single office in Westland, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wayne Westland Federal Credit Union (Main Office) | Westland, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan 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-WESTLAND ranks #1,826 of 4,374 nationally on financial health and #90 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- H.P.C. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with H.P.C.
Frequently Asked Questions
Is WAYNE-WESTLAND financially healthy?
WAYNE-WESTLAND has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,826 of 4,374 nationally on health and #90 of 171 in Michigan. Its net worth ratio is 10.69% and its delinquency rate 0.72%.
How does WAYNE-WESTLAND compare to other credit unions?
WAYNE-WESTLAND scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.80% vs 0.62%). Its widest shortfall is loan-to-share ratio (53.73% vs 72.20%).
How can I join WAYNE-WESTLAND?
WAYNE-WESTLAND 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-WESTLAND directly for the exact boundaries and application steps.
Is my money safe at WAYNE-WESTLAND?
WAYNE-WESTLAND 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-WESTLAND's net worth ratio of 10.69% 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.