TellerScore

W T Community Federal Credit Union is a federal credit union headquartered in Cincinnati, Ohio, in business for about 70 years. At the end of Q2 2026 it reported $4.6M in total assets and $4.1M in member shares and deposits.

W T Community Federal Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 32% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 123rd. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 0% uninsured); earnings contributes the least (13/100, -0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.77%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings13/100
Return on assets (annualized): -0.17%
Funding & liquidity100/100
Loans ÷ shares: 57.7% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (71 → 66), mostly because the earnings component weakened by 35 points.

TellerScore
607182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202461
Q3 202460
Q4 202460
Q1 202582
Q2 202571
Q3 202574
Q4 202563
Q1 202664
Q2 202666
Net worth ratio
7.00%8.59%10.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.07%
Q3 20248.60%
Q4 20248.32%
Q1 20259.02%
Q2 20259.02%
Q3 202510.04%
Q4 20259.43%
Q1 202610.18%
Q2 20269.77%
Delinquent loans (60+ days)
0.00%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.13%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.06%
Q1 20260.16%
Q2 20260.09%
Return on assets
-1.55%0.56%2.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.54%
Q3 2024-1.41%
Q4 2024-1.55%
Q1 20252.67%
Q2 20250.69%
Q3 20250.65%
Q4 2025-0.39%
Q1 2026-0.47%
Q2 2026-0.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$4.6M9.77%0.09%-0.17%57.7%
Q1 202664$4.4M10.18%0.16%-0.47%65.0%
Q4 202563$4.8M9.43%0.06%-0.39%63.4%
Q3 202574$4.9M10.04%0.00%0.65%62.0%
Q2 202571$5.1M9.02%0.00%0.69%61.0%
Q1 202582$5.3M9.02%0.00%2.67%57.2%
Q4 202460$5.3M8.32%0.00%-1.55%57.4%
Q3 202460$5.4M8.60%0.13%-1.41%57.9%
Q2 202461$5.6M9.07%0.05%-0.54%61.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.77%
15th
Problem loans0.09%
80th
Net charge-offs0.55%
25th
Return on assets-0.17%
15th
Loans to deposits57.7%
52nd
Uninsured deposits0.0%
81st
Loan-loss reserves1.60%
88th
Texas ratio0.5%
75th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Nueva Esperanza Community Credit UnionCredit union Toledo, OH68 out of 100, Moderate$4.5M47.8%2.79%vs
McDonald Community Federal Credit UnionCredit union Mc Donald, OH79 out of 100, Strong$4.4M12.5%0.00%vs
Nickel Steel Federal Credit UnionCredit union Lima, OH76 out of 100, Strong$5.2M33.1%0.42%vs
Christo Rey Federal Credit UnionCredit union Ney, OH71 out of 100, Strong$3.6M8.9%0.00%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
St. Paschal Baylons Federal Credit UnionCredit union Highland Height, OH79 out of 100, Strong$5.9M12.7%0.00%vs

Deposit insurance

Is my money safe at W T Community Federal Credit Union?

Yes. W T Community Federal Credit Union is a federally insured credit union (NCUA charter #10859). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.77%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
W T Community Federal Credit Union
Type
Federal credit union
NCUA charter #
10859
RSSD ID
192482
Primary regulator
NCUA
Established
1956
Headquarters
755 Ohio Pike, Cincinnati, OH 45245
Employees
5

Quick answers

W T Community Federal Credit Union: common questions

Is W T Community Federal Credit Union NCUA insured?

Yes. W T Community Federal Credit Union is a federally insured credit union (NCUA charter #10859). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is W T Community Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.