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.
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NCUA 5300 Call Report Masthead
#311 of 4,374 health · 2025Q4Wcg Employees · health 95/100 · $1.0M · 2025Q4
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Wcg Employees sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Tennessee, Tennessee Valley (#10) scores 96/100, 1 point higher; one place down, Nashville Firemen's (#12) ties at 95/100.
How Wcg Employees's 5300 filing moved
Wcg Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $1.0M (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (21.51% → 21.52%).
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
Wcg Employees gives up 5 points in total. Member Growth costs the most, 5.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Wcg Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Wcg Employees scores 95/100 (Excellent), with a 21.52% net worth ratio and 0.00% of loans delinquent. It ranks #311 of 4,374 nationally on health and #11 of 127 in Tennessee.
How does Wcg Employees compare to other credit unions?
Wcg Employees scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (77.10% vs 52.70%). Its widest shortfall is net worth ratio (21.52% vs 22.93%).
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?
Wcg Employees is a state-chartered 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. Wcg Employees's net worth ratio of 21.52% 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.