Co-Op Credit Union Black River Falls, Wisconsin
Co-Op Credit Union is a state-chartered credit union headquartered in Black River Falls, WI, established in 1938 (NCUA charter 66983), and it is regulated and insured by the NCUA. At Q2 2026 it reported 23,862 members and total assets of $626.8M (up 9.8% from Q2 2025), the 20th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 11.55% at Q2 2026, in the well capitalized band.
Also written as Co-Op CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66983
- Headquarters
- Black River Falls, WI
- Established
- 1938
- Total assets, Q2 2026
- $626.8M
- Assets vs Q2 2025
- +9.8%
- Members, Q2 2026
- 23,862
- Net worth ratio, Q2 2026
- 11.55%
- Latest call report
- Q2 2026, NCUA 5300 · Co-Op Credit Union call report
- Asset rank in state
- 20th of 98 in Wisconsin
- Routing number
- 275977120
- Branches
- 10
It has 302 more members than on June 30, 2025 (+1.3%). Its net worth ratio was up 0.06 percentage points from 11.49% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $348.8M of $521.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.55% net worth ratio is above that band's 11.43% median.
Credit unions merged into Co-Op Credit Union
La Crosse-Burlington Credit Union (2024) · Lacrosse Area Postal Credit Union (2015)
Frequently asked about Co-Op Credit Union
How big is Co-Op Credit Union?
At Q2 2026 it reported total assets of $626.8M and 23,862 members.
Where is Co-Op Credit Union headquartered?
It is headquartered in Black River Falls, WI, United States.
When was Co-Op Credit Union founded?
It was established in 1938, per NCUA records.
Is Co-Op Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66983): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Co-Op Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Co-Op Credit Union well capitalized?
Its net worth ratio was 11.55% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Co-Op Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Co-Op Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 95.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Black River Falls, WI 54615
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 66983
- RSSD ID
- 808998
- Members
- 23,862
- Potential members
- 498,834
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.55% | 11.43% | 51st above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.13% | 0.81% | 69th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.78% | 7.02% | 75th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.15% | 3.70% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 63.10% | 76.55% | 85th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.90% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.80% | 0.68% | 43rd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.04% | 4.92% | 57th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 95.13% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$626.8M total assets against $570.8M; $548.2M total shares and deposits against $500.6M; $521.5M total loans against $482.9M.
$72.4M net worth against $65.6M.
11.55% net worth ratio against 11.49%.
95.13% loan-to-share ratio against 96.48%.
0.80% delinquency ratio against 0.53%.
1.13% return on assets against 1.02%; 9.78% return on equity against 8.85%.
3.15% net interest margin against 2.97%.
23,862 members against 23,560.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.55% | 1.13% | 0.80% | 95.13% |
| March 31, 2026 | 11.48% | 1.13% | 0.46% | 94.74% |
| December 31, 2025 | 11.45% | 1.10% | 0.72% | 96.52% |
| September 30, 2025 | 11.72% | 1.12% | 0.51% | 99.49% |
| June 30, 2025 | 11.49% | 1.02% | 0.53% | 96.48% |
| March 31, 2025 | 11.32% | 0.93% | 0.49% | 94.07% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.