Wayne Teachers Federal Credit Union Richmond, Indiana
Wayne Teachers Federal Credit Union is a federal credit union headquartered in Richmond, IN, established in 1961 (NCUA charter 14449), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,088 members and total assets of $13.5M (up 3.5% from Q2 2025), the 100th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 14.28% at Q2 2026, in the well capitalized band.
Also written as Wayne Teachers 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
- 14449
- Headquarters
- Richmond, IN
- Established
- 1961
- Total assets, Q2 2026
- $13.5M
- Assets vs Q2 2025
- +3.5%
- Members, Q2 2026
- 1,088
- Net worth ratio, Q2 2026
- 14.28%
- Latest call report
- Q2 2026, NCUA 5300 · Wayne Teachers Federal Credit Union call report
- Asset rank in state
- 100th of 118 in Indiana
- Routing number
- 274975770
- Branches
- 2
It has 3 more members than on June 30, 2025 (+0.3%). Its net worth ratio was up 0.43 percentage points from 13.85% on June 30, 2025. Used vehicle loans are its largest loan category, $2.5M of $4.8M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Indiana
Frequently asked about Wayne Teachers Federal Credit Union
How big is Wayne Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $13.5M and 1,088 members.
Where is Wayne Teachers Federal Credit Union headquartered?
It is headquartered in Richmond, IN, United States.
When was Wayne Teachers Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Wayne Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14449): 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 Wayne Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Wayne Teachers Federal Credit Union well capitalized?
Its net worth ratio was 14.28% 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 Wayne Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 41.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Richmond, IN 47374
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14449
- RSSD ID
- 423485
- Members
- 1,088
- Potential members
- 66,553
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 1 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.28% | 14.31% | 50th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.11% | 0.72% | 67th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.78% | 4.74% | 69th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.95% | 3.93% | 51st above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 75.17% | 79.83% | 60th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.04% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.99% | 4.70% | 19th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 41.57% | 58.92% | 24th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.5M total assets against $13.0M; $11.5M total shares and deposits against $11.1M; $4.8M total loans against $4.8M.
$1.9M net worth against $1.8M.
14.28% net worth ratio against 13.85%.
41.57% loan-to-share ratio against 43.45%.
1.11% return on assets against 1.43%; 7.78% return on equity against 10.31%.
3.95% net interest margin against 4.40%.
1,088 members against 1,085.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.28% | 1.11% | — | 41.57% |
| March 31, 2026 | 14.44% | 0.54% | — | 42.67% |
| December 31, 2025 | 14.33% | 0.66% | 0.19% | 43.53% |
| September 30, 2025 | 14.61% | 1.62% | — | 44.60% |
| June 30, 2025 | 13.85% | 1.43% | — | 43.45% |
| March 31, 2025 | 13.12% | 1.66% | 0.07% | 41.33% |
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.