Credit Union Safety Analysis
Is Weatherhead C C Federal Credit Union Safe? Columbia City, Indiana
Based on its Q2 2026 NCUA 5300 call report, Weatherhead C C Federal Credit Union has a net worth ratio of 13.69%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.95%, 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, Weatherhead C C Federal Credit Union's net worth ratio is 13.69%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.69%
- Delinquency ratio (60+ days) (Q2 2026): 0.95%
- Return on assets (Q2 2026): 2.19%
- Loan-to-share ratio (Q2 2026): 42.21%
Weatherhead C C Federal Credit Union (NCUA charter 16732, established 1965) reported $25.0M in assets and 2,092 members for Q2 2026 from Columbia City, Indiana. It ranks 89 of 118 credit unions in Indiana by total assets. Total assets grew 6.9% from $23.3M on June 30, 2025. It has 61 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 1.03 percentage points from 12.66% on June 30, 2025. Used vehicle loans are its largest loan category, $6.0M of $9.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.95% is above 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: 13.08% for Q1 2026; 12.66% 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: 0.28% for Q1 2026; 0.28% for Q2 2025.
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: 1.99% for Q1 2026; 1.97% 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: 42.73% for Q1 2026; 43.79% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.0M
- New vehicle loans: $1.2M
- Other secured non-real estate loans and lines of credit: $537K
- Other unsecured loans and lines of credit: $445K
- 1- to 4-family residential and other consumer real estate loans: $360K
- Commercial loans: $338K
- Unsecured credit card loans: $237K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $25.0M | 13.69% | 0.95% | 2.19% | 42.21% |
| March 31, 2026 | $25.1M | 13.08% | 0.28% | 1.99% | 42.73% |
| December 31, 2025 | $24.2M | 13.05% | 0.26% | 2.17% | 43.83% |
| September 30, 2025 | $23.7M | 13.01% | 0.47% | 2.15% | 44.37% |
| June 30, 2025 | $23.3M | 12.66% | 0.28% | 1.97% | 43.79% |
| March 31, 2025 | $23.1M | 12.32% | 0.11% | 1.73% | 43.41% |
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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.
Weatherhead C C Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16732) · FFIEC NIC profile (RSSD 902980)
Frequently asked questions
Is Weatherhead C C Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Weatherhead C C Federal Credit Union's net worth ratio is 13.69%, above the 7% NCUA threshold for well capitalized.
Is Weatherhead C C Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Weatherhead C C Federal Credit Union is a federally insured credit union (NCUA charter 16732): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Weatherhead C C Federal Credit Union's key safety ratios?
For Q2 2026, Weatherhead C C Federal Credit Union reports net worth 13.69%, delinquency 0.95%, ROA 2.19%, loan-to-share 42.21%.
What happens to my money if Weatherhead C C Federal Credit Union fails?
For Q2 2026, Weatherhead C C Federal Credit Union held $21.4M in shares and deposits for 2,092 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.