WCG EMPLOYEES
Charter #68153 · MARTIN, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 238 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.33% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.88% sits at the 89th percentile of structural peers — worth a closer look.
- 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 11th percentile among structurally similar credit unions — a relative strength.
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 | WCG EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.03M | 18th pct | 20th pct |
| Members | 238 | 18th pct | 20th pct |
| Net worth ratio | 21.52% | 64th pct | 61th pct |
| Return on average assets | 1.04% | 73th pct | 69th pct |
| Net interest margin | 3.33% | 27th pct | 15th pct |
| Cost of funds | 1.88% | 86th pct | 89th pct |
| Loan-to-share | 68.40% | 62th pct | 36th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 11th pct |
| Loan growth YoY | -11.84% | 21th pct | 18th pct |
| Share growth YoY | 0.80% | 55th pct | 51th pct |
| Efficiency ratio | 67.47% | 23th pct | 25th pct |
structural peer set hash: ba48c54505b0971de7910258d253338f… (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.