W T Community Federal Credit Union Cincinnati, Ohio
W T Community Federal Credit Union is a federal credit union headquartered in Cincinnati, OH, established in 1956 (NCUA charter 10859), and it is regulated and insured by the NCUA. At Q2 2026 it reported 734 members and total assets of $4.6M (down 10.8% from Q2 2025), the 177th largest of 191 credit unions headquartered in Ohio. Its net worth ratio was 9.77% at Q2 2026, in the well capitalized band.
Also written as WT Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10859
- Headquarters
- Cincinnati, OH
- Established
- 1956
- Total assets, Q2 2026
- $4.6M
- Assets vs Q2 2025
- -10.8%
- Members, Q2 2026
- 734
- Net worth ratio, Q2 2026
- 9.77%
- Latest call report
- Q2 2026, NCUA 5300 · W T Community Federal Credit Union call report
- Asset rank in state
- 177th of 191 in Ohio
- Routing number
- 242077626
- Branches
- 1
It has 114 more members than on June 30, 2025 (+18.4%). Its net worth ratio was up 0.75 percentage points from 9.02% on June 30, 2025. Used vehicle loans are its largest loan category, $911K of $2.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.09% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 9.77% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Ohio
Frequently asked about W T Community Federal Credit Union
How big is W T Community Federal Credit Union?
At Q2 2026 it reported total assets of $4.6M and 734 members.
Where is W T Community Federal Credit Union headquartered?
It is headquartered in Cincinnati, OH, United States.
When was W T Community Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is W T Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10859): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates W T Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is W T Community Federal Credit Union well capitalized?
Its net worth ratio was 9.77% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is W T Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.09% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is W T Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 57.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cincinnati, OH 45245
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 10859
- RSSD ID
- 192482
- Members
- 734
- Potential members
- 42,858
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 9.77% | 14.31% | 15th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.10% | 0.72% | 24th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.04% | 4.74% | 25th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.10% | 3.93% | 88th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 111.72% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.15% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.09% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.25% | 4.70% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 57.70% | 58.92% | 48th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.6M total assets against $5.1M; $4.1M total shares and deposits against $4.6M; $2.4M total loans against $2.8M.
$444K net worth against $460K.
9.77% net worth ratio against 9.02%.
57.70% loan-to-share ratio against 61.01%.
0.09% delinquency ratio.
0.10% return on assets against -1.39%; 1.04% return on equity against -15.37%.
5.10% net interest margin against 5.05%.
734 members against 620.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.77% | 0.10% | 0.09% | 57.70% |
| March 31, 2026 | 10.18% | -0.47% | 0.16% | 64.95% |
| December 31, 2025 | 9.43% | -3.58% | 0.06% | 63.41% |
| September 30, 2025 | 10.04% | 0.51% | — | 61.95% |
| June 30, 2025 | 9.02% | -1.39% | — | 61.01% |
| March 31, 2025 | 9.02% | 2.67% | — | 57.24% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.