WCG EMPLOYEES
Charter #68153 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
WCG EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 5.7% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Total Members: Bottom 5.9% in tier
- - Total Loans: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239
-0.4% YoY-0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 5.7% in tier |
| Assets |
$1.0M
-3.3% YoY+3.1% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.6% in tier |
| Loans |
$622,018
+1.7% YoY+3.4% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.6% in tier |
| Deposits |
$795,326
-5.2% YoY+3.3% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.8% in tier |
| ROA |
0.9%
-5.1% YoY+10.2% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
56th in tier |
| NIM |
3.4%
+12.2% YoY-6.2% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
73.3%
+9.8% YoY-4.0% QoQ
|
-8.1% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
38th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
78.2%
+7.2% YoY+0.0% QoQ
|
+17.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
75th in tier |
| AMR |
$5,930
-1.9% YoY+3.8% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
476
Net Worth Ratio
risk
Value:
21.31%
Peer Avg: 16.43%
#476 of 2596
Top 18.3% in <100M tier
647
Loan-to-Share Ratio
balance_sheet
Value:
78.21%
Peer Avg: 61.23%
#647 of 2596
Top 24.9% in <100M tier
Top Weaknesses (10 metrics)
2450
Total Assets
balance_sheet
Value:
$1.02M
Peer Avg: $29.86M
#2450 of 2596
Bottom 5.7% in <100M tier
2445
Total Deposits
balance_sheet
Value:
$795,326
Peer Avg: $25.45M
#2445 of 2596
Bottom 5.9% in <100M tier
2444
Total Members
engagement
Value:
239
Peer Avg: 2,626
#2444 of 2596
Bottom 5.9% in <100M tier
2372
Total Loans
balance_sheet
Value:
$622,018
Peer Avg: $15.77M
#2372 of 2596
Bottom 8.7% in <100M tier
2294
Average Member Relationship (AMR)
engagement
Value:
$5,930
Peer Avg: $14,627
#2294 of 2596
Bottom 11.7% in <100M tier
2156
Fee Income Per Member
profitability
Value:
$7.88
Peer Avg: $182.96
#2156 of 2596
Bottom 17.0% in <100M tier
2155
Deposit Growth Rate
growth
Value:
-5.20%
Peer Avg: 16.80%
#2155 of 2596
Bottom 17.0% in <100M tier
2100
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,603
Peer Avg: $5,488
#2100 of 2596
Bottom 19.1% in <100M tier
2068
Asset Growth Rate
growth
Value:
-3.28%
Peer Avg: 1.82%
#2068 of 2596
Bottom 20.4% in <100M tier
1990
Members Per Employee (MPE)
engagement
Value:
239.000
Peer Avg: 365.701
#1990 of 2596
Bottom 23.4% in <100M tier