Wayne County

Richmond, IN · 1 · Charter #14449 · www.waynecountyfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.0M
49th percentile
Members
1,085
39th percentile
Total loans
$4.8M
42th percentile
Total shares
$11.0M
50th percentile

Profitability

Return on assets
1.31%
72th percentile
Net interest margin
4.41%
66th percentile
Efficiency ratio
72.10%
39th percentile
Non-interest income ratio
10.35%
54th percentile

Capital & Risk

Net worth ratio
14.33%
46th percentile
Delinquency rate
0.19%
72th percentile
Net charge-off rate
-0.05%
94th percentile
Loan-to-share
43.53%
26th percentile

Growth

Member growth YoY
-0.46%
61th percentile
Asset growth YoY
-3.05%
24th percentile
Loan growth YoY
3.32%
74th percentile
Share growth YoY
-5.08%
20th percentile

Operations

Members / branch
543
25th percentile
Assets / member
$11,967
70th percentile
Field of membership penetration
1.63%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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