W T COMMUNITY
Charter #10859 · Cincinnati, OH · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 5.07% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.17% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.15% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 30th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | W T COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.36M | 53th pct | 25th pct |
| Members | 731 | 64th pct | 30th pct |
| Net worth ratio | 10.18% | 14th pct | 26th pct |
| Return on average assets | -0.45% | 23th pct | 26th pct |
| Net interest margin | 5.07% | 79th pct | 80th pct |
| Cost of funds | 0.17% | 27th pct | 13th pct |
| Loan-to-share | 64.95% | 58th pct | 56th pct |
| Delinquency 60+ days | 0.16% | 32th pct | 31th pct |
| Net charge-off ratio | -0.15% | 12th pct | 13th pct |
| Loan growth YoY | -4.93% | 52th pct | 49th pct |
| Share growth YoY | -9.32% | 8th pct | 10th pct |
| Efficiency ratio | 99.81% | 72th pct | 69th pct |
structural peer set hash: 9ce56a2e1587093ef94b14a1128848f3… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.