B
Wayne Cooperative Ins Co
Clyde,  NY
Rating Date
June 2026
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
3.39
Risk Adjusted
Capital Ratio #2
2.48
Loss
Ratio
74.36%
Total
Assets
53.22M
Capital
29.94M
Net
Premiums
22.26M
Net
Income
-1.11M
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Weiss Ratings Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Rating B
Capitalization Index 9.20
Investment Safety Index --
Liquidity Index 6.50
Profitability Index 4.60
Reserve Adequacy Index 9.30
Stability Index 5.10
Company Info Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Industry P&C
NAIC Number 43290
Phone Number (315) 923-2861
Website www.wcicny.com
Address 10267 Old Route 31 Clyde, NY 14433
Balance Sheet Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Total Assets 53.22M
Capital and Reserves Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Risk-Adjusted Capital Ratio #1 3.39
Risk-Adjusted Capital Ratio #2 2.48
1-Year Reserve Development -0.79%
2-Year Reserve Development -6.63%
Capital 29.94M
Premium to Surplus 74.34%
Reserves to Surplus 24.86%
Investments Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Medical Loss Ratio --
Cash From Underwriting 94.54%
Combined Ratio 109.78%
Expense Ratio 35.41%
Loss Ratio 74.36%
Net Premium Growth 15.22%
Other Medical Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Wayne Cooperative Ins Co
Clyde, NY 		Click to
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Net Income -1.11M
Net Premium 22.26M
Health Premium --