TellerScore

Headquartered in Smithville, Ohio, Wayne County Community Federal Credit Union is a federal credit union with $54.2M in total assets and $47.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1966.

Wayne County Community Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 96th. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 1% uninsured); loan quality contributes the least (61/100, 1.18%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.25%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.18%
Earnings63/100
Return on assets (annualized): 1.06%
Funding & liquidity100/100
Loans ÷ shares: 40.7% · 0.6% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.77%

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 rose 11 points (60 → 71), mostly because the loan quality component improved by 20 points.

TellerScore
576471Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202463
Q4 202461
Q1 202561
Q2 202560
Q3 202560
Q4 202557
Q1 202667
Q2 202671
Net worth ratio
7.00%9.13%11.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.69%
Q3 202410.88%
Q4 202410.36%
Q1 202510.23%
Q2 202510.30%
Q3 202510.84%
Q4 202510.95%
Q1 202610.91%
Q2 202611.25%
Delinquent loans (60+ days)
0.49%1.52%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20241.32%
Q4 20241.33%
Q1 20251.78%
Q2 20251.76%
Q3 20252.11%
Q4 20252.55%
Q1 20261.13%
Q2 20261.18%
Return on assets
0.37%0.72%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.41%
Q4 20240.37%
Q1 20250.85%
Q2 20250.71%
Q3 20250.95%
Q4 20250.97%
Q1 20260.69%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$54.2M11.25%1.18%1.06%40.7%
Q1 202667$54.1M10.91%1.13%0.69%40.2%
Q4 202557$53.1M10.95%2.55%0.97%40.9%
Q3 202560$52.4M10.84%2.11%0.95%40.4%
Q2 202560$53.4M10.30%1.76%0.71%37.3%
Q1 202561$52.9M10.23%1.78%0.85%35.3%
Q4 202461$51.2M10.36%1.33%0.37%35.2%
Q3 202463$48.5M10.88%1.32%0.41%36.2%
Q2 202470$49.0M10.69%0.49%0.46%33.7%

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 ratio11.25%
26th
Problem loans1.18%
35th
Net charge-offs0.55%
25th
Return on assets1.06%
70th
Loans to deposits40.7%
77th
Uninsured deposits0.6%
57th
Loan-loss reserves0.00%
37th
Texas ratio3.8%
37th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Toledo Police Federal Credit UnionCredit union Toledo, OH43 out of 100, Below average$56.6M9.4%3.81%vs
Summit Federal Credit UnionCredit union Akron, OH86 out of 100, Very strong$59.2M15.6%0.56%vs
Painesville Credit UnionCredit union Painesville, OH83 out of 100, Strong$48.7M15.4%0.32%vs
Promedica Federal Credit UnionCredit union Toledo, OH62 out of 100, Moderate$60.2M10.2%0.75%vs
Falls Catholic Credit UnionCredit union Cuyahoga Falls, OH80 out of 100, Strong$60.2M17.4%1.19%vs
Firstenergy Family Credit UnionCredit union Akron, OH93 out of 100, Very strong$47.2M16.5%0.53%vs

Deposit insurance

Is my money safe at Wayne County Community Federal Credit Union?

Yes. Wayne County Community Federal Credit Union is a federally insured credit union (NCUA charter #17449). 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 0.6% of shares and deposits ($309K) 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 11.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Wayne County Community Federal Credit Union lists 1 office in 1 city. Most locations:

  • Smithville, OH (1)

All branch addresses and map

Identity & history

Profile

Legal name
Wayne County Community Federal Credit Union
Type
Federal credit union
NCUA charter #
17449
RSSD ID
161983
Primary regulator
NCUA
Established
1966
Headquarters
Po Box 214, Smithville, OH 44677
Employees
11

Quick answers

Wayne County Community Federal Credit Union: common questions

Is Wayne County Community Federal Credit Union NCUA insured?

Yes. Wayne County Community Federal Credit Union is a federally insured credit union (NCUA charter #17449). 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 Wayne County Community Federal Credit Union's TellerScore?

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

How many branches does Wayne County Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Smithville

InstitutionScoreAssetsCapitalProblem loansCompare
Brewster Federal Credit UnionCredit union Brewster, OH95 out of 100, Very strong$32.9M18.4%0.56%vs
Firstenergy Family Credit UnionCredit union Akron, OH93 out of 100, Very strong$47.2M16.5%0.53%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Lormet Community Federal Credit UnionCredit union Amherst, OH91 out of 100, Very strong$283.3M13.7%0.15%vs
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
Summit Federal Credit UnionCredit union Akron, OH86 out of 100, Very strong$59.2M15.6%0.56%vs