Credit Union Safety Analysis
Is Capital Credit Union Safe? Green Bay, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Capital Credit Union has a net worth ratio of 12.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, 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, Capital Credit Union's net worth ratio is 12.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.34%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 1.02%
- Loan-to-share ratio (Q2 2026): 100.15%
Capital Credit Union (NCUA charter 66865, established 1934) reported $2.79B in assets and 129,276 members for Q2 2026 from Green Bay, Wisconsin. It ranks 11 of 98 credit unions in Wisconsin by total assets. Total assets grew 2.6% from $2.72B on June 30, 2025. It has 3,682 more members than on June 30, 2025 (+2.9%). Its net worth ratio was up 0.70 percentage points from 11.64% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.02B of $2.38B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.85% for Q1 2026; 11.64% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.77% for Q1 2026; 0.99% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.98% for Q1 2026; 1.09% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 98.98% for Q1 2026; 102.77% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.02B
- Used vehicle loans: $596.6M
- Commercial loans: $327.8M
- Other secured non-real estate loans and lines of credit: $184.6M
- New vehicle loans: $184.4M
- Other unsecured loans and lines of credit: $42.6M
- Non-federally guaranteed student loans: $20.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.79B | 12.34% | 0.90% | 1.02% | 100.15% |
| March 31, 2026 | $2.84B | 11.85% | 0.77% | 0.98% | 98.98% |
| December 31, 2025 | $2.78B | 11.86% | 1.01% | 1.03% | 101.98% |
| September 30, 2025 | $2.74B | 11.86% | 1.05% | 1.22% | 103.70% |
| June 30, 2025 | $2.72B | 11.64% | 0.99% | 1.09% | 102.77% |
| March 31, 2025 | $2.66B | 11.61% | 0.99% | 0.73% | 99.89% |
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Free to use. It shows Capital Credit Union’s latest filed figures and updates each quarter.
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 66865) · FFIEC NIC profile (RSSD 721994)
Frequently asked questions
Is Capital Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Capital Credit Union's net worth ratio is 12.34%, above the 7% NCUA threshold for well capitalized.
Is Capital Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Capital Credit Union is a federally insured credit union (NCUA charter 66865): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Capital Credit Union's key safety ratios?
For Q2 2026, Capital Credit Union reports net worth 12.34%, delinquency 0.90%, ROA 1.02%, loan-to-share 100.15%.
What happens to my money if Capital Credit Union fails?
For Q2 2026, Capital Credit Union held $2.37B in shares and deposits for 129,276 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.