Credit Union Safety Analysis
Is W T Community Federal Credit Union Safe? Cincinnati, Ohio
Based on its Q2 2026 NCUA 5300 call report, W T Community Federal Credit Union has a net worth ratio of 9.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.09%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, W T Community Federal Credit Union's net worth ratio is 9.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.77%
- Delinquency ratio (60+ days) (Q2 2026): 0.09%
- Return on assets (Q2 2026): 0.10%
- Loan-to-share ratio (Q2 2026): 57.70%
W T Community Federal Credit Union (NCUA charter 10859, established 1956) reported $4.6M in assets and 734 members for Q2 2026 from Cincinnati, Ohio. It ranks 177 of 191 credit unions in Ohio by total assets. Total assets fell 10.8% from $5.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.18% for Q1 2026; 9.02% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.16% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.47% for Q1 2026; -1.39% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 64.95% for Q1 2026; 61.01% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $911K
- New vehicle loans: $754K
- Other secured non-real estate loans and lines of credit: $370K
- Other unsecured loans and lines of credit: $324K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.6M | 9.77% | 0.09% | 0.10% | 57.70% |
| March 31, 2026 | $4.4M | 10.18% | 0.16% | -0.47% | 64.95% |
| December 31, 2025 | $4.8M | 9.43% | 0.06% | -3.58% | 63.41% |
| September 30, 2025 | $4.9M | 10.04% | — | 0.51% | 61.95% |
| June 30, 2025 | $5.1M | 9.02% | — | -1.39% | 61.01% |
| March 31, 2025 | $5.3M | 9.02% | — | 2.67% | 57.24% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
W T Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10859) · FFIEC NIC profile (RSSD 192482)
Frequently asked questions
Is W T Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, W T Community Federal Credit Union's net worth ratio is 9.77%, above the 7% NCUA threshold for well capitalized.
Is W T Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. W T Community Federal Credit Union is a federally insured credit union (NCUA charter 10859): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are W T Community Federal Credit Union's key safety ratios?
For Q2 2026, W T Community Federal Credit Union reports net worth 9.77%, delinquency 0.09%, ROA 0.10%, loan-to-share 57.70%.
What happens to my money if W T Community Federal Credit Union fails?
For Q2 2026, W T Community Federal Credit Union held $4.1M in shares and deposits for 734 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.