Credit Union Safety Analysis
Is Wayland Temple Baptist Federal Credit Union Safe? Philadelphia, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Wayland Temple Baptist Federal Credit Union has a net worth ratio of 15.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Wayland Temple Baptist Federal Credit Union's net worth ratio is 15.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.80%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): -1.05%
- Loan-to-share ratio (Q2 2026): not reported
Wayland Temple Baptist Federal Credit Union (NCUA charter 22007, established 1975) reported $180K in assets and 72 members for Q2 2026 from Philadelphia, Pennsylvania. It ranks 266 of 269 credit unions in Pennsylvania by total assets. Total assets fell 9.5% from $198K on June 30, 2025. It has 7 fewer members than on June 30, 2025 (-8.9%). Its net worth ratio was up 1.18 percentage points from 14.62% on June 30, 2025.
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: 15.14% for Q1 2026; 14.62% 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%.
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: -2.76% for Q1 2026; 0.71% 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%.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $180K | 15.80% | — | -1.05% | — |
| March 31, 2026 | $191K | 15.14% | — | -2.76% | — |
| December 31, 2025 | $188K | 16.04% | — | 1.27% | — |
| September 30, 2025 | $208K | 14.19% | — | 1.07% | — |
| June 30, 2025 | $198K | 14.62% | — | 0.71% | — |
| March 31, 2025 | $204K | 14.03% | — | 1.42% | — |
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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.
Wayland Temple Baptist Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22007) · FFIEC NIC profile (RSSD 680783)
Frequently asked questions
Is Wayland Temple Baptist Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Wayland Temple Baptist Federal Credit Union's net worth ratio is 15.80%, above the 7% NCUA threshold for well capitalized.
Is Wayland Temple Baptist Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Wayland Temple Baptist Federal Credit Union is a federally insured credit union (NCUA charter 22007): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wayland Temple Baptist Federal Credit Union's key safety ratios?
For Q2 2026, Wayland Temple Baptist Federal Credit Union reports net worth 15.80%, delinquency not reported, ROA -1.05%, loan-to-share not reported.
What happens to my money if Wayland Temple Baptist Federal Credit Union fails?
For Q2 2026, Wayland Temple Baptist Federal Credit Union held $151K in shares and deposits for 72 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.