Wayne County Community Federal Credit Union
Overview / Commentary
Wayne County Community Federal Credit Union is headquartered in Smithville and is the 108th largest credit union in the state of Ohio. It is also the 2,389th largest credit union in the nation. It was established in 1966 and as of March of 2025, it had grown to 11 employees and 4,641 members at 2 locations. Wayne County Community Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Wayne County Community Federal Credit Union is open to those who live, work, worship, or attend school in Wayne County, Ohio. Immediate family members of a current Wayne County Community Federal Credit Union member may also join.
See current membership details
Health
B+
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Wayne County Community Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 17449 |
| Year Chartered | 1966 |
| Employees | 11 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.87% |
| Return on Equity - YTD | 8.35% |
| Annual Interest Income | $567K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $52.9MM$48.4MM |
| Loans | Q1 2025vs Q1 2024 | $16.7MM$14MM |
| Deposits | Q1 2025vs Q1 2024 | $47.3MM$42.8MM |
| Equity Capital | Q1 2025vs Q1 2024 | $5.4MM$5.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $94K$100K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $298K$67K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |