Credit Union Safety Analysis
Is WCG Employees Credit Union Safe? Martin, Tennessee
Based on its Q2 2026 NCUA 5300 call report, WCG Employees Credit Union has a net worth ratio of 21.80%, 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, WCG Employees Credit Union's net worth ratio is 21.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 21.80%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.91%
- Loan-to-share ratio (Q2 2026): 76.38%
WCG Employees Credit Union (NCUA charter 68153, established 1962) reported $1.0M in assets and 238 members for Q2 2026 from Martin, Tennessee. It ranks 122 of 123 credit unions in Tennessee by total assets. Total assets grew 3.9% from $992K on June 30, 2025. It has 2 fewer members than on June 30, 2025 (-0.8%). Its net worth ratio was up 0.11 percentage points from 21.69% on June 30, 2025. Used vehicle loans are its largest loan category, $418K of $609K in total loans on its June 30, 2026 filing.
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: 21.52% for Q1 2026; 21.69% 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: 1.03% for Q1 2026; 0.89% 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: 68.40% for Q1 2026; 78.19% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $418K
- New vehicle loans: $160K
- Other unsecured loans and lines of credit: $31K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.0M | 21.80% | — | 0.91% | 76.38% |
| March 31, 2026 | $1.0M | 21.52% | — | 1.03% | 68.40% |
| December 31, 2025 | $1.0M | 21.51% | — | 0.73% | 77.10% |
| September 30, 2025 | $1.0M | 21.31% | — | 1.04% | 78.21% |
| June 30, 2025 | $992K | 21.69% | — | 0.89% | 78.19% |
| March 31, 2025 | $1.0M | 20.78% | — | 0.73% | 72.22% |
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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.
WCG Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 68153) · FFIEC NIC profile (RSSD 252292)
Frequently asked questions
Is WCG Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, WCG Employees Credit Union's net worth ratio is 21.80%, above the 7% NCUA threshold for well capitalized.
Is WCG Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. WCG Employees Credit Union is a federally insured credit union (NCUA charter 68153): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are WCG Employees Credit Union's key safety ratios?
For Q2 2026, WCG Employees Credit Union reports net worth 21.80%, delinquency not reported, ROA 0.91%, loan-to-share 76.38%.
What happens to my money if WCG Employees Credit Union fails?
For Q2 2026, WCG Employees Credit Union held $797K in shares and deposits for 238 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.