Credit Union Safety Analysis
Is Cloverbelt Credit Union Safe? Wausau, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Cloverbelt Credit Union has a net worth ratio of 12.37%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, 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, Cloverbelt Credit Union's net worth ratio is 12.37%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.37%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 0.92%
- Loan-to-share ratio (Q2 2026): 91.12%
Cloverbelt Credit Union (NCUA charter 66844, established 1936) reported $354.2M in assets and 16,393 members for Q2 2026 from Wausau, Wisconsin. It ranks 28 of 98 credit unions in Wisconsin by total assets. Total assets grew 6.7% from $331.9M on June 30, 2025. It has 65 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 0.04 percentage points from 12.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $178.2M of $280.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% 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: 12.29% for Q1 2026; 12.33% 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: 0.19% for Q1 2026; 0.02% 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: 0.75% for Q1 2026; 0.79% 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: 90.24% for Q1 2026; 90.51% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $178.2M
- Commercial loans: $37.8M
- Used vehicle loans: $33.6M
- Other secured non-real estate loans and lines of credit: $16.4M
- New vehicle loans: $12.0M
- Other unsecured loans and lines of credit: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $354.2M | 12.37% | 0.24% | 0.92% | 91.12% |
| March 31, 2026 | $349.8M | 12.29% | 0.19% | 0.75% | 90.24% |
| December 31, 2025 | $342.0M | 12.38% | 0.13% | 0.83% | 91.35% |
| September 30, 2025 | $334.4M | 12.46% | 0.11% | 0.87% | 92.78% |
| June 30, 2025 | $331.9M | 12.33% | 0.02% | 0.79% | 90.51% |
| March 31, 2025 | $324.5M | 12.41% | 0.13% | 0.61% | 90.90% |
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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.
Cloverbelt Credit Union profile
Regulator records: NCUA credit union profile (charter 66844) · FFIEC NIC profile (RSSD 850492)
Frequently asked questions
Is Cloverbelt Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cloverbelt Credit Union's net worth ratio is 12.37%, above the 7% NCUA threshold for well capitalized.
Is Cloverbelt Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cloverbelt Credit Union is a federally insured credit union (NCUA charter 66844): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cloverbelt Credit Union's key safety ratios?
For Q2 2026, Cloverbelt Credit Union reports net worth 12.37%, delinquency 0.24%, ROA 0.92%, loan-to-share 91.12%.
What happens to my money if Cloverbelt Credit Union fails?
For Q2 2026, Cloverbelt Credit Union held $308.0M in shares and deposits for 16,393 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.