State credit union · harrison, Ohio · NCUA charter #61760
Whitewater Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $11.6M
- Total assets
- 1,616
- Members
- 10.1%
- Net-worth ratio
Whitewater Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,616; net-worth ratio 10.13%; health rank #681 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#681 of 4,374 health · 2025Q4Whitewater Community · health 93/100 · $11.6M · 2025Q4
Call Report peers
Whitewater Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Whitewater Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Whitewater Community sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Whitewater Community vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 78.73% here, 59.80% peer average (+18.93 pp).
- Widest shortfall vs peers is Net Worth Ratio: -4.73 pp (10.13% vs 14.86%).
Ohio standing for Whitewater Community
- Ohio health ordinal: #25 of 196.
- Ohio assets place: #162 of 196.
- Member book place in Ohio: #156 of 196.
- One place up in Ohio, First Service (#24) ties at 93/100; one place down, SHAREFAX (#26) ties at 93/100.
Whitewater Community Call Report trajectory
Whitewater Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $11.6M (2025Q4) to $11.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (10.06% → 10.13%).
10.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Whitewater Community gives up 7 points in total. Member Growth costs the most, 7.4 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 7.6 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.13% | -4.73 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.87% | +0.16 pp |
| Member Growth | -0.80% | - |
| Loan-to-Share Ratio | 78.73% | +18.93 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Whitewater Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.7M | - |
| 2025Q4 | $11.6M | 1,616 |
| 2024Q4 | $11.8M | 1,629 |
| 2023Q4 | $11.8M | 1,588 |
Credit Union Details
- Charter Number
- 61760
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- harrison
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Whitewater Community, spread across 2 cities.
| Office | City |
|---|---|
| Main (Main Office) | harrison, OH |
| disaster recovery site | Harrison, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Other-state peers near Whitewater Community
Similar total assets
Similar health score
Using this data
- Whitewater Community ranks #681 of 4,374 nationally on financial health and #25 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sorg Bay West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sorg Bay West
Frequently Asked Questions
Is Whitewater Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Whitewater Community scores 93/100 (Excellent), with a 10.13% net worth ratio and 0.00% of loans delinquent. It ranks #681 of 4,374 nationally on health and #25 of 196 in Ohio.
How does Whitewater Community compare to other credit unions?
Whitewater Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.73% vs 59.80%). Its widest shortfall is net worth ratio (10.13% vs 14.86%).
How can I join Whitewater Community?
Membership eligibility for Whitewater Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Whitewater Community directly for current membership requirements and application steps.
Is my money safe at Whitewater Community?
Whitewater 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. Whitewater Community's net worth ratio of 10.13% 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.