Ware County School Employees Federal Credit Union Waycross, Georgia
Ware County School Employees Federal Credit Union is a federal credit union headquartered in Waycross, GA, established in 1962 (NCUA charter 15265), and it is regulated and insured by the NCUA. At Q2 2026 it reported 808 members and total assets of $6.3M (down 1.0% from Q2 2025), the 55th largest of 71 credit unions headquartered in Georgia. Its net worth ratio was 14.08% at Q2 2026, in the well capitalized band.
Also written as Ware County School Employees 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
- 15265
- Headquarters
- Waycross, GA
- Established
- 1962
- Total assets, Q2 2026
- $6.3M
- Assets vs Q2 2025
- -1.0%
- Members, Q2 2026
- 808
- Net worth ratio, Q2 2026
- 14.08%
- Latest call report
- Q2 2026, NCUA 5300 · Ware County School Employees Federal Credit Union call report
- Asset rank in state
- 55th of 71 in Georgia
- Routing number
- 261273427
- Branches
- 1
It has 10 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 1.06 percentage points from 13.02% on June 30, 2025. Used vehicle loans are its largest loan category, $1.9M of $4.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.00% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.08% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Georgia
Frequently asked about Ware County School Employees Federal Credit Union
How big is Ware County School Employees Federal Credit Union?
At Q2 2026 it reported total assets of $6.3M and 808 members.
Where is Ware County School Employees Federal Credit Union headquartered?
It is headquartered in Waycross, GA, United States.
When was Ware County School Employees Federal Credit Union founded?
It was established in 1962, per NCUA records.
Is Ware County School Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15265): 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 Ware County School Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Ware County School Employees Federal Credit Union well capitalized?
Its net worth ratio was 14.08% 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 Ware County School Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Ware County School Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Waycross, GA 31501
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1962
- NCUA Charter #
- 15265
- RSSD ID
- 115584
- Members
- 808
- Potential members
- 983
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 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.08% | 14.31% | 48th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.17% | 0.72% | 69th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 8.32% | 4.74% | 73rd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.41% | 3.93% | 29th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 67.60% | 79.83% | 76th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.78% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.00% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.19% | 4.70% | 70th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 85.69% | 58.92% | 86th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.3M total assets against $6.3M; $5.4M total shares and deposits against $5.5M; $4.6M total loans against $4.4M.
$883K net worth against $824K.
14.08% net worth ratio against 13.02%.
85.69% loan-to-share ratio against 79.49%.
0.00% delinquency ratio.
1.17% return on assets against 0.82%; 8.32% return on equity against 6.29%.
3.41% net interest margin against 2.96%.
808 members against 798.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.08% | 1.17% | 0.00% | 85.69% |
| March 31, 2026 | 13.48% | 0.90% | 0.01% | 82.45% |
| December 31, 2025 | 13.53% | 0.79% | 0.03% | 78.20% |
| September 30, 2025 | 13.32% | 0.90% | 0.04% | 81.13% |
| June 30, 2025 | 13.02% | 0.82% | — | 79.49% |
| March 31, 2025 | 12.89% | 0.82% | — | 79.28% |
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.