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
- RANK 86/100
- PHOTO 10.7%
- BOOK 0.72%
- CHARTER 0.80%
- NCUSIF $155.2M
- CAMELS 10,836
- HEALTH #1,826/4,374
- NW Ukrainian National
- DELQ 5928
Call Report peers
WAYNE-WESTLAND in the assets neighbourhood
WAYNE-WESTLAND's $155.2M assets sit next to Ukrainian National ($155.2M) 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-WESTLAND 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
86 Top 43% higher than 57% 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-WESTLAND - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #5928, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How WAYNE-WESTLAND's 5300 filing moved
WAYNE-WESTLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $155.2M (2025Q4) to $159.7M (2026Q1).
- Net-worth ratio shifted -0.12 pp (10.81% → 10.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for WAYNE-WESTLAND, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($155.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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-WESTLAND financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - WAYNE-WESTLAND'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 #1,826 of 4,374; by total assets it ranks #1,470 of 4,374 nationally (same basis as /rankings/largest); and #92 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.69% net worth ratio and 0.72% delinquency rate are the key drivers.
How does WAYNE-WESTLAND compare to other credit unions?
PlainCU's health composite puts WAYNE-WESTLAND at 86/100, compared to a peer group average for $100M–$500M 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-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?
Federal credit unions like WAYNE-WESTLAND 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-WESTLAND's net worth ratio of 10.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WAYNE-WESTLAND offer compared to banks?
Credit unions like WAYNE-WESTLAND 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-WESTLAND 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.