TellerScore

Wayne County Federal Credit Union is a federal credit union headquartered in Richmond, Indiana, in business for about 65 years. At the end of Q2 2026 it reported $13.5M in total assets and $11.5M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Wayne County Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 12th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (53/100; 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.28%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity100/100
Loans ÷ shares: 41.6% · 0.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 4 points (93 → 89), mostly because the earnings component weakened by 30 points.

TellerScore
869196Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202490
Q4 202491
Q1 202591
Q2 202593
Q3 202596
Q4 202591
Q1 202687
Q2 202689
Net worth ratio
7.00%10.80%14.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.71%
Q3 202412.41%
Q4 202412.47%
Q1 202513.12%
Q2 202513.85%
Q3 202514.61%
Q4 202514.33%
Q1 202614.44%
Q2 202614.28%
Delinquent loans (60+ days)
0.00%0.14%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.27%
Q4 20240.08%
Q1 20250.07%
Q2 20250.00%
Q3 20250.00%
Q4 20250.19%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.54%1.26%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.71%
Q3 20241.99%
Q4 20241.90%
Q1 20251.66%
Q2 20251.56%
Q3 20251.62%
Q4 20251.34%
Q1 20260.54%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$13.5M14.28%0.00%0.82%41.6%
Q1 202687$13.1M14.44%0.00%0.54%42.7%
Q4 202591$13.0M14.33%0.19%1.34%43.5%
Q3 202596$12.6M14.61%0.00%1.62%44.6%
Q2 202593$13.0M13.85%0.00%1.56%43.4%
Q1 202591$13.4M13.12%0.07%1.66%41.3%
Q4 202491$13.4M12.47%0.08%1.90%40.0%
Q3 202490$13.0M12.41%0.27%1.99%41.6%
Q2 202486$13.2M11.71%0.23%1.71%40.8%

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 ratio14.28%
50th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets0.82%
59th
Loans to deposits41.6%
76th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
A H E Plant 3 Federal Credit UnionCredit union Winchester, IN100 out of 100, Very strong$12.2M19.9%0.07%vs
Generations Federal Credit UnionCredit union LA Porte, IN88 out of 100, Very strong$12.2M14.4%0.59%vs
Profinance Federal Credit UnionCredit union Merrillville, IN59 out of 100, Moderate$15.0M20.0%3.79%vs
Gesb Sheet Metal Workers Federal Credit UnionCredit union Portage, IN77 out of 100, Strong$11.8M11.1%0.00%vs
Tippecanoe Federal Credit UnionCredit union Lafayette, IN75 out of 100, Strong$15.4M12.9%0.64%vs
Clifty Creek Employees Federal Credit UnionCredit union Madison, IN79 out of 100, Strong$16.3M16.9%0.00%vs

Deposit insurance

Is my money safe at Wayne County Federal Credit Union?

Yes. Wayne County Federal Credit Union is a federally insured credit union (NCUA charter #14449). 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 0.1% of shares and deposits ($11K) 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 14.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Wayne County Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Wayne County Federal Credit Union
Type
Federal credit union
NCUA charter #
14449
RSSD ID
423485
Primary regulator
NCUA
Established
1961
Headquarters
3010 W Main St, Richmond, IN 47374
Employees
4

Quick answers

Wayne County Federal Credit Union: common questions

Is Wayne County Federal Credit Union NCUA insured?

Yes. Wayne County Federal Credit Union is a federally insured credit union (NCUA charter #14449). 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 Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Richmond

InstitutionScoreAssetsCapitalProblem loansCompare
Health Care Professionals Federal Credit UnionCredit union Richmond, IN96 out of 100, Very strong$41.6M18.6%0.00%vs
Members Choice Credit UnionCredit union Greenville, OH92 out of 100, Very strong$38.9M17.9%0.44%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Natco Credit UnionCredit union Richmond, IN80 out of 100, Strong$153.7M17.3%1.18%vs
The Brookville Building and Savings AssociationBank Brookville, OH79 out of 100, Strong$41.2M20.0%0.00%vs
Mercer Savings BankBank Celina, OH78 out of 100, Strong$176.2M13.2%0.08%vs