State credit union · MARTIN, Tennessee · NCUA charter #68153
Wcg Employees
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $1.0M
- Total assets
- 241
- Members
- 21.5%
- Net-worth ratio
Wcg Employees scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.0M; members 241; net-worth ratio 21.52%; health rank #311 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#311 of 4,374 health · 2025Q4Wcg Employees · health 95/100 · $1.0M · 2025Q4
- HEALTH 95/100
- NW 21.5%
- DELQ 0.00%
- ROA 0.90%
- ASSETS $1.0M
- MEM 241
- RANK #311/4,374
- PHOTO n/a
- BOOK 68153
Call Report peers
Wcg Employees carries $1.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wcg Employees 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
95 Top 10% higher than 90% 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
Wcg Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68153. See our deposit-insurance coverage note.
Wcg Employees: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 77.10% vs peer 52.70% (+24.40 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.41 pp (21.52% vs 22.93%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Wcg Employees sits in Tennessee
- Health composite ranks #11 of 127 among scored Tennessee credit unions.
- By total assets, Wcg Employees is #124 of 127 in Tennessee.
- Membership ranks #124 of 127 among Tennessee CUs with a reported count (241 members).
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Wcg Employees's 5300 filing moved
Wcg Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $1.0M (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (21.51% → 21.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 21.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for Wcg Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.52% | -1.41 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.90% | +0.68 pp |
| Member Growth | 0.42% | - |
| Loan-to-Share Ratio | 77.10% | +24.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Wcg Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.0M | - |
| 2025Q4 | $1.0M | 241 |
| 2024Q4 | $1.0M | 240 |
| 2023Q4 | $1.1M | 242 |
Credit Union Details
- Charter Number
- 68153
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Tennessee
- City
- MARTIN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Wcg Employees.
| Office | City |
|---|---|
| WCG Credit Union (Main Office) | Martin, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
More federally-insured credit unions based in Tennessee, ordered by peer group match and asset size.
Other-state peers near Wcg Employees
Two NCUA Call Report peer sets for Wcg Employees, both outside Tennessee so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Wcg Employees ranks #311 of 4,374 nationally on financial health and #11 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hardin County Hospital Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hardin County Hospital Employees
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Wcg Employees financially healthy?
Wcg Employees has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #311 of 4,374; by total assets it ranks #4,231 of 4,374 nationally (same basis as /rankings/largest); and #124 of 127 within Tennessee. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.52% and delinquency rate of 0.00%.
How does Wcg Employees compare to other credit unions?
95/100 is Wcg Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Wcg Employees?
Membership eligibility for Wcg Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wcg Employees directly for current membership requirements and application steps.
Is my money safe at Wcg Employees?
Federal credit unions like Wcg Employees 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. Wcg Employees's net worth ratio of 21.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wcg Employees offer compared to banks?
Credit unions like Wcg Employees 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 Wcg Employees 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.