WAYNE COUNTY
Charter #14449 · Richmond, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,081 sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.05% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 43rd — a 18-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 | WAYNE COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.07M | 13th pct | 7th pct |
| Members | 1,081 | 8th pct | 2th pct |
| Net worth ratio | 14.44% | 56th pct | 54th pct |
| Return on average assets | 0.54% | 44th pct | 41th pct |
| Net interest margin | 4.00% | 58th pct | 54th pct |
| Cost of funds | 0.05% | 4th pct | 8th pct |
| Loan-to-share | 42.67% | 25th pct | 43th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 23th pct | 16th pct |
| Loan growth YoY | -0.30% | 68th pct | 67th pct |
| Share growth YoY | 4.20% | 68th pct | 54th pct |
| Efficiency ratio | 87.80% | 69th pct | 66th pct |
structural peer set hash: a8edd9167b49ff8fbb19a608cf72a798… (reproducible)
Closest structural peers
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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.