Wayne County Community
Smithville, OH · Charter 17449 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$54.2MAssets
$19.5MLoans
$47.9MShares
$6.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 333 of 1681).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets (rank 1217 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.06%
Rank 528 of 1,683
Net Interest Margin
3.89%
Rank 775 of 1,683
Efficiency Ratio
71.45%
Rank 517 of 1,682
Equity / Assets
11.25%
Rank 1,108 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 69% | 528 / 1,683 | |
| Return on Equity | 9.45% | 2.67% | 5.89% | 8.74% | Beats 80% | 333 / 1,681 | |
| Net Interest Margin | 3.89% | 3.31% | 3.82% | 4.32% | Beats 54% | 775 / 1,683 | |
| Efficiency Ratio | 71.45% | 68.91% | 78.20% | 86.93% | Beats 69% | 517 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,217 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.25% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,108 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.25% | 10.44% | 12.89% | 16.53% | Beats 34% | 1,108 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 40.73% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,486 / 1,683 | |
| Loans / Assets | 36.00% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,446 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |