Wayne-Westland Federal Credit Union
Total assets
$159.7M
▲ +6.6% YoY
Shares & deposits
$145.8M
▲ +5.3% YoY
Loans
$74.6M
▲ +5.1% YoY
Members
10,762
▼ -1.5% YoY
ROA (annualized)
0.94%
peers 0.69%
ROE (annualized)
8.81%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +3.9% | +2.7 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.2 pts |
| ROA | 0.94% | 0.69% | +0.2 pts |
| ROE | 8.8% | 5.9% | +2.9 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 500 S Wayne Rd, Westland, MI, 48186
- NCUA charter #
- 5928
- RSSD ID
- 367075
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $159.7M | $145.8M | $74.6M | $17.1M | $376K | 0.94% | 3.55% | 0.71% | 10,762 |
| Q4 2025 | $155.2M | $141.2M | $75.9M | $16.8M | $1.6M | 1.05% | 3.61% | 0.72% | 10,836 |
| Q3 2025 | $152.1M | $138.6M | $76.5M | $16.5M | $1.3M | 1.16% | 3.64% | 0.79% | 10,855 |
| Q2 2025 | $151.7M | $139.5M | $74.5M | $16.0M | $854K | 1.13% | 3.58% | 0.72% | 10,918 |
| Q1 2025 | $149.8M | $138.4M | $71.0M | $15.5M | $327K | 0.87% | 3.49% | 0.97% | 10,926 |
| Q4 2024 | $144.3M | $133.9M | $74.6M | $15.2M | $1.2M | 0.86% | 3.40% | 0.88% | 10,962 |
| Q3 2024 | $143.7M | $132.7M | $74.5M | $14.9M | $942K | 0.87% | 3.36% | 0.94% | 11,045 |
| Q2 2024 | $148.5M | $138.7M | $74.5M | $14.6M | $631K | 0.85% | 3.21% | 0.59% | 11,086 |
Loan mix (Q1 2026): real estate $20.6M · commercial $15.9M · consumer $33.5M · securities $61.9M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.62% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 78.7% | 43th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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