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credit union

Ware County School Employees

Waycross, GA · Est. 1962
A
Trust Grade
Excellent
Score: 97/100

Ware County School Employees is a credit union based in Waycross, Georgia, established in 1962, with $6 million in total assets serving 803 members. By Trust Grade it ranks 20th of 72 credit unions we track in Georgia. Its net worth ratio of 13.5% trails most similarly sized credit unions (45th percentile), versus a Georgia median of 13.3%. It was profitable over the most recent period, with a 0.90% return on assets. No consumer complaints against Ware County School Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$6.4M
<$100M institution
Members
803
Shares & deposits
Net worth ratio
13.5%
Bottom 45% of <$100M peers · Georgia median 13.3%
Return on assets
0.9%
Top 35% of <$100M peers · Georgia median 0.63%
Rank in Georgia
#20
of 72 credit unions

How Ware County School Employees compares to Georgia peers

Net worth ratio
Bottom 45% of <$100M peers
Ware County
13.5%
Georgia median
13.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 35% of <$100M peers
Ware County
0.9%
Georgia median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Ware County School Employees

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
97/100
Customer experience
n/a
Overall
A · 97
  • Strongly capitalized (13.5% capital ratio)
  • Profitable (ROA 0.90%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Ware County School Employees over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Ware County School Employees insured?

Yes. Ware County School Employees is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Ware County School Employees: frequently asked questions

Is Ware County School Employees a good credit union?

Ware County School Employees earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (13.5% capital ratio); Profitable (ROA 0.90%).

Is Ware County School Employees NCUA-insured?

Yes. Ware County School Employees is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Ware County School Employees?

Ware County School Employees holds $6 million in total assets, ranking 20th of 72 credit unions we track in Georgia. It serves 803 members.

Does Ware County School Employees have CFPB complaints?

No CFPB complaints against Ware County School Employees appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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