TellerScore

Headquartered in Harrison, Ohio, Whitewater Community Credit Union is a federally insured state-chartered credit union with $11.3M in total assets and $10.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Based on its Q2 2026 filing, Whitewater Community Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 103rd. Its strongest component is problem-loan coverage (99/100; 0.4%), and its lowest is earnings (32/100; 0.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.48%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.06%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity80/100
Loans ÷ shares: 80.0% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.38%

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 2 points (71 → 69), mostly because the earnings component weakened by 23 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202470
Q1 202573
Q2 202571
Q3 202572
Q4 202573
Q1 202672
Q2 202669
Net worth ratio
7.00%8.74%10.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.49%
Q3 20249.05%
Q4 20249.08%
Q1 20259.14%
Q2 20259.91%
Q3 202510.25%
Q4 202510.06%
Q1 202610.13%
Q2 202610.48%
Delinquent loans (60+ days)
0.00%0.10%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.19%
Q3 20250.18%
Q4 20250.00%
Q1 20260.01%
Q2 20260.06%
Return on assets
0.29%0.69%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.87%
Q4 20240.85%
Q1 20251.09%
Q2 20250.87%
Q3 20250.89%
Q4 20250.79%
Q1 20260.65%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$11.3M10.48%0.06%0.29%80.0%
Q1 202672$11.7M10.13%0.01%0.65%75.4%
Q4 202573$11.6M10.06%0.00%0.79%78.7%
Q3 202572$11.2M10.25%0.18%0.89%83.6%
Q2 202571$11.3M9.91%0.19%0.87%81.6%
Q1 202573$12.1M9.14%0.00%1.09%76.6%
Q4 202470$11.8M9.08%0.00%0.85%79.5%
Q3 202470$11.6M9.05%0.00%0.87%79.5%
Q2 202468$12.0M8.49%0.00%0.71%78.3%

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 ratio10.48%
20th
Problem loans0.06%
83rd
Net charge-offs0.01%
67th
Return on assets0.29%
31st
Loans to deposits80.0%
20th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
The Catholic Credit UnionCredit union Avon Lake, OH83 out of 100, Strong$11.3M13.1%0.00%vs
Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH80 out of 100, Strong$11.6M15.4%1.54%vs
Sorg Bay West Federal Credit UnionCredit union Middletown, OH17 out of 100, Low$11.6M5.0%6.08%vs
Ytr Community Federal Credit UnionCredit union Tiltonsville, OH77 out of 100, Strong$12.1M15.1%1.65%vs
L. E. O. Credit UnionCredit union Painesville, OH53 out of 100, Below average$10.4M24.6%7.96%vs

Deposit insurance

Is my money safe at Whitewater Community Credit Union?

Yes. Whitewater Community Credit Union is a federally insured credit union (NCUA charter #61760). 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 10.48%, 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

Whitewater Community Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Whitewater Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61760
RSSD ID
8592
Primary regulator
State + NCUA
Established
1954
Headquarters
1157 Harrison Ave, Harrison, OH 45030
Employees
5

Quick answers

Whitewater Community Credit Union: common questions

Is Whitewater Community Credit Union NCUA insured?

Yes. Whitewater Community Credit Union is a federally insured credit union (NCUA charter #61760). 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 Whitewater Community Credit Union's TellerScore?

69 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.

How many branches does Whitewater Community Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Harrison

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH91 out of 100, Very strong$46.8M20.3%0.52%vs
Northern Kentucky Federal Credit UnionCredit union Highland Height, KY91 out of 100, Very strong$43.1M14.0%0.29%vs
St. James Parish Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$5.9M21.8%0.00%vs
Deca Credit UnionCredit union Cincinnati, OH90 out of 100, Very strong$7.6M18.9%0.45%vs