WAYNE COUNTY COMMUNITY
Charter #17449 · Smithville, OH · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 10.91% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 1.15% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.84% sits at the 89th percentile of structural peers — worth a closer look.
- Efficiency ratio of 73.15% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 26th — a 16-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $54.10M | 10th pct | 26th pct |
| Members | 4,358 | 35th pct | 41th pct |
| Net worth ratio | 10.91% | 30th pct | 25th pct |
| Return on average assets | 0.70% | 50th pct | 59th pct |
| Net interest margin | 3.83% | 56th pct | 62th pct |
| Cost of funds | 1.15% | 64th pct | 77th pct |
| Loan-to-share | 40.16% | 14th pct | 23th pct |
| Delinquency 60+ days | 1.13% | 76th pct | 74th pct |
| Net charge-off ratio | 0.84% | 85th pct | 89th pct |
| Loan growth YoY | 2.61% | 83th pct | 87th pct |
| Share growth YoY | 3.13% | 53th pct | 59th pct |
| Efficiency ratio | 73.15% | 31th pct | 21th pct |
structural peer set hash: b6c6b6e1d640a15d7d10dc283b35fe36… (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.