Credit Union Safety Analysis
Is Central Wisconsin Credit Union Safe? Plover, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Central Wisconsin Credit Union has a net worth ratio of 10.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.73%, 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, Central Wisconsin Credit Union's net worth ratio is 10.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.81%
- Delinquency ratio (60+ days) (Q2 2026): 0.73%
- Return on assets (Q2 2026): 2.20%
- Loan-to-share ratio (Q2 2026): 63.11%
Central Wisconsin Credit Union (NCUA charter 66513, established 1948) reported $56.3M in assets and 3,587 members for Q2 2026 from Plover, Wisconsin. It ranks 63 of 98 credit unions in Wisconsin by total assets. Total assets grew 7.1% from $52.6M on June 30, 2025. It has 91 fewer members than on June 30, 2025 (-2.5%). Its net worth ratio was up 0.31 percentage points from 10.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $22.1M of $31.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.73% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 10.47% for Q1 2026; 10.50% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.17% for Q1 2026; 0.37% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 2.06% for Q1 2026; 1.36% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 63.54% for Q1 2026; 69.02% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $22.1M
- Used vehicle loans: $3.5M
- Commercial loans: $2.5M
- New vehicle loans: $1.4M
- Other secured non-real estate loans and lines of credit: $1.0M
- Unsecured credit card loans: $569K
- Other unsecured loans and lines of credit: $303K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $56.3M | 10.81% | 0.73% | 2.20% | 63.11% |
| March 31, 2026 | $55.2M | 10.47% | 0.17% | 2.06% | 63.54% |
| December 31, 2025 | $53.6M | 10.25% | 0.22% | -2.48% | 65.10% |
| September 30, 2025 | $53.0M | 10.99% | 0.91% | 2.25% | 69.34% |
| June 30, 2025 | $52.6M | 10.50% | 0.37% | 1.36% | 69.02% |
| March 31, 2025 | $52.0M | 10.27% | 0.10% | 2.02% | 68.03% |
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Free to use. It shows Central Wisconsin 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.
Central Wisconsin Credit Union profile
Regulator records: NCUA credit union profile (charter 66513) · FFIEC NIC profile (RSSD 141097)
Frequently asked questions
Is Central Wisconsin Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Central Wisconsin Credit Union's net worth ratio is 10.81%, above the 7% NCUA threshold for well capitalized.
Is Central Wisconsin Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Central Wisconsin Credit Union is a federally insured credit union (NCUA charter 66513): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Central Wisconsin Credit Union's key safety ratios?
For Q2 2026, Central Wisconsin Credit Union reports net worth 10.81%, delinquency 0.73%, ROA 2.20%, loan-to-share 63.11%.
What happens to my money if Central Wisconsin Credit Union fails?
For Q2 2026, Central Wisconsin Credit Union held $49.8M in shares and deposits for 3,587 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.