Credit Union Safety Analysis
Is Arcadia Credit Union Safe? Arcadia, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Arcadia Credit Union has a net worth ratio of 12.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.46%, 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, Arcadia Credit Union's net worth ratio is 12.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.46%
- Return on assets (Q2 2026): 1.34%
- Loan-to-share ratio (Q2 2026): 90.10%
Arcadia Credit Union (NCUA charter 66532) reported $144.2M in assets and 7,046 members for Q2 2026 from Arcadia, Wisconsin. It ranks 42 of 98 credit unions in Wisconsin by total assets. Total assets grew 8.4% from $133.0M on June 30, 2025. It has 147 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.33 percentage points from 12.56% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $81.0M of $111.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.75% for Q1 2026; 12.56% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.37% for Q1 2026; 0.21% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.22% for Q1 2026; 1.22% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 88.80% for Q1 2026; 87.67% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $81.0M
- Used vehicle loans: $14.3M
- Commercial loans: $11.5M
- New vehicle loans: $2.2M
- Other secured non-real estate loans and lines of credit: $1.5M
- Unsecured credit card loans: $583K
- Other unsecured loans and lines of credit: $408K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $144.2M | 12.89% | 0.46% | 1.34% | 90.10% |
| March 31, 2026 | $142.0M | 12.75% | 0.37% | 1.22% | 88.80% |
| December 31, 2025 | $139.0M | 12.72% | 0.44% | 1.47% | 88.59% |
| September 30, 2025 | $134.6M | 12.75% | 0.42% | 1.34% | 89.12% |
| June 30, 2025 | $133.0M | 12.56% | 0.21% | 1.22% | 87.67% |
| March 31, 2025 | $132.6M | 12.30% | 0.20% | 0.94% | 87.78% |
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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.
Regulator records: NCUA credit union profile (charter 66532) · FFIEC NIC profile (RSSD 282897)
Frequently asked questions
Is Arcadia Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Arcadia Credit Union's net worth ratio is 12.89%, above the 7% NCUA threshold for well capitalized.
Is Arcadia Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Arcadia Credit Union is a federally insured credit union (NCUA charter 66532): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Arcadia Credit Union's key safety ratios?
For Q2 2026, Arcadia Credit Union reports net worth 12.89%, delinquency 0.46%, ROA 1.34%, loan-to-share 90.10%.
What happens to my money if Arcadia Credit Union fails?
For Q2 2026, Arcadia Credit Union held $123.7M in shares and deposits for 7,046 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.