State credit union · Cadillac, Michigan · NCUA charter #65639
Wexford Community
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $83.6M
- Total assets
- 8,124
- Members
- 8.8%
- Net-worth ratio
Wexford Community scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $83.6M; members 8,124; net-worth ratio 8.75%; health rank #3,024 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,024 of 4,374 health · 2025Q4Wexford Community · health 78/100 · $83.6M · 2025Q4
Call Report peers
Wexford Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wexford Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wexford Community sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Wexford Community: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.43% here, 0.96% peer average (-0.53 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.25 pp (54.35% vs 62.60%).
Michigan standing for Wexford Community
- In Michigan, health place is #146 of 171 on the same NCUA-ratio sort used nationally.
- By total assets, Wexford Community is #117 of 171 in Michigan.
- Membership ranks #106 of 171 among Michigan CUs with a reported count (8,124 members).
- One place up in Michigan, Downriver Community (#145) ties at 78/100; one place down, Shore to Shore Community (#147) scores 77/100, 1 point lower.
How Wexford Community's 5300 filing moved
Wexford Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.9% from $83.6M (2025Q4) to $87.7M (2026Q1).
- Net-worth ratio shifted -0.59 pp (9.34% → 8.75%).
At 8.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Wexford Community gives up 22 points in total. Member Growth costs the most, 11.4 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 11.2 pts
Wexford Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.75% | -4.87 pp |
| Delinquency Rate | 0.43% | -0.53 pp |
| Return on Assets | 0.25% | -0.41 pp |
| Member Growth | -2.97% | - |
| Loan-to-Share Ratio | 54.35% | -8.25 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Wexford Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $87.7M | - |
| 2025Q4 | $83.6M | 8,124 |
| 2024Q4 | $84.1M | 8,373 |
| 2023Q4 | $79.6M | 8,530 |
Credit Union Details
- Charter Number
- 65639
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Cadillac
- Data Quarter
- 2025Q4
Branch Locations (3)
Wexford Community operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Wexford Community Credit Union (Main Office) | Cadillac, MI |
| Wexford Community Credit Union | Cadillac, MI |
| Wexford Community Credit Union | Lake City, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Wexford Community ranks #3,024 of 4,374 nationally on financial health and #146 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- South Central is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with South Central
Frequently Asked Questions
Is Wexford Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Wexford Community scores 78/100 (Very Good), with a 8.75% net worth ratio and 0.43% of loans delinquent. It ranks #3,024 of 4,374 nationally on health and #146 of 171 in Michigan.
How does Wexford Community compare to other credit unions?
Wexford Community scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.43% vs 0.96%). Its widest shortfall is loan-to-share ratio (54.35% vs 62.60%).
How can I join Wexford Community?
Membership eligibility for Wexford Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wexford Community directly for current membership requirements and application steps.
Is my money safe at Wexford Community?
Wexford Community 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. Wexford Community's net worth ratio of 8.75% 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.