Headquartered in Cadillac, Michigan, Wexford Community Credit Union is a federally insured state-chartered credit union with $88.8M in total assets and $81.2M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1953.
Wexford Community Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 162nd. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 0% uninsured); earnings contributes the least (3/100, -0.44%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (55 → 54).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 62 |
| Q1 2025 | 57 |
| Q2 2025 | 55 |
| Q3 2025 | 61 |
| Q4 2025 | 61 |
| Q1 2026 | 58 |
| Q2 2026 | 54 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.53% |
| Q3 2024 | 9.62% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.08% |
| Q2 2025 | 9.17% |
| Q3 2025 | 9.57% |
| Q4 2025 | 9.34% |
| Q1 2026 | 8.75% |
| Q2 2026 | 8.57% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.54% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.99% |
| Q3 2025 | 0.46% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.39% |
| Q2 2026 | 0.81% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.29% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.25% |
| Q1 2025 | -0.59% |
| Q2 2025 | -0.32% |
| Q3 2025 | -0.29% |
| Q4 2025 | -0.23% |
| Q1 2026 | -0.61% |
| Q2 2026 | -0.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $88.8M | 8.57% | 0.81% | -0.44% | 52.3% |
| Q1 2026 | 58 | $87.7M | 8.75% | 0.39% | -0.61% | 51.4% |
| Q4 2025 | 61 | $83.6M | 9.34% | 0.43% | -0.23% | 54.3% |
| Q3 2025 | 61 | $81.7M | 9.57% | 0.46% | -0.29% | 56.9% |
| Q2 2025 | 55 | $85.7M | 9.17% | 0.99% | -0.32% | 50.4% |
| Q1 2025 | 57 | $86.6M | 9.08% | 0.56% | -0.59% | 51.3% |
| Q4 2024 | 62 | $84.1M | 9.50% | 0.80% | 0.25% | 55.7% |
| Q3 2024 | 65 | $83.7M | 9.62% | 0.67% | 0.42% | 57.6% |
| Q2 2024 | 65 | $83.0M | 9.53% | 0.54% | 0.29% | 57.1% |
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Traverse Catholic Federal Credit UnionCredit union Traverse City, MI | 74 out of 100, Strong | $92.2M | 10.4% | 0.84% | vs |
| Shore to Shore Community Federal Credit UnionCredit union Trenton, MI | 81 out of 100, Strong | $85.1M | 12.0% | 0.73% | vs |
| South Central Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $84.6M | 14.2% | 0.56% | vs |
| Limestone Financial Credit UnionCredit union Manistique, MI | 65 out of 100, Moderate | $83.1M | 10.7% | 0.55% | vs |
| Lake Huron Credit UnionCredit union Saginaw, MI | 74 out of 100, Strong | $81.5M | 14.8% | 1.25% | vs |
| Muskegon Federal Credit UnionCredit union Muskegon, MI | 75 out of 100, Strong | $80.8M | 11.0% | 0.18% | vs |
Deposit insurance
Is my money safe at Wexford Community Credit Union?
Yes. Wexford Community Credit Union is a federally insured credit union (NCUA charter #65639). 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 8.57%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Wexford Community Credit Union lists 3 offices in 2 cities. Most locations:
- Cadillac, MI (2)
- Lake City, MI (1)
Identity & history
Profile
- Legal name
- Wexford Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65639
- RSSD ID
- 501981
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 1015 Wilcox St, Cadillac, MI 49601
- Employees
- 36
Quick answers
Wexford Community Credit Union: common questions
Is Wexford Community Credit Union NCUA insured?
Yes. Wexford Community Credit Union is a federally insured credit union (NCUA charter #65639). 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 Wexford Community Credit Union's TellerScore?
54 out of 100 (Below average), 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 Wexford Community Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Cadillac
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake-Osceola State BankBank Baldwin, MI | 85 out of 100, Very strong | $469.4M | 12.5% | 0.24% | vs |
| Wmcu Credit UnionCredit union Grand Rapids, MI | 84 out of 100, Strong | $455.3M | 17.3% | 0.92% | vs |
| Mercantile BankBank Grand Rapids, MI | 73 out of 100, Strong | $6.2B | 11.6% | 0.10% | vs |
| Horizon BankBank Michigan City, IN | 72 out of 100, Strong | $6.5B | 10.5% | 0.70% | vs |
| Forest Area Federal Credit UnionCredit union Fife Lake, MI | 71 out of 100, Strong | $318.3M | 12.8% | 1.92% | vs |
| Honor BankBank Honor, MI | 71 out of 100, Strong | $442.7M | 9.8% | 0.32% | vs |