Credit Union Safety Analysis
Is Co-Op Credit Union Safe? Black River Falls, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Co-Op Credit Union has a net worth ratio of 11.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Co-Op Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Co-Op Credit Union's net worth ratio is 11.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 1.13%
- Loan-to-share ratio (Q2 2026): 95.13%
Co-Op Credit Union (NCUA charter 66983, established 1938) reported $626.8M in assets and 23,862 members for Q2 2026 from Black River Falls, Wisconsin. It ranks 20 of 98 credit unions in Wisconsin by total assets. Total assets grew 9.8% from $570.8M on June 30, 2025. 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.
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: 11.48% for Q1 2026; 11.49% 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: 0.46% for Q1 2026; 0.53% 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: 1.13% for Q1 2026; 1.02% 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: 94.74% for Q1 2026; 96.48% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $348.8M
- Commercial loans: $81.3M
- Used vehicle loans: $50.2M
- Other secured non-real estate loans and lines of credit: $21.9M
- New vehicle loans: $13.7M
- Other unsecured loans and lines of credit: $3.5M
- Unsecured credit card loans: $2.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $626.8M | 11.55% | 0.80% | 1.13% | 95.13% |
| March 31, 2026 | $615.0M | 11.48% | 0.46% | 1.13% | 94.74% |
| December 31, 2025 | $601.4M | 11.45% | 0.72% | 1.10% | 96.52% |
| September 30, 2025 | $573.2M | 11.72% | 0.51% | 1.12% | 99.49% |
| June 30, 2025 | $570.8M | 11.49% | 0.53% | 1.02% | 96.48% |
| March 31, 2025 | $566.8M | 11.32% | 0.49% | 0.93% | 94.07% |
Add this badge to your website
Free to use. It shows Co-Op 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 66983) · FFIEC NIC profile (RSSD 808998)
Frequently asked questions
Is Co-Op Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Co-Op Credit Union's net worth ratio is 11.55%, above the 7% NCUA threshold for well capitalized.
Is Co-Op Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Co-Op Credit Union is a federally insured credit union (NCUA charter 66983): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Co-Op Credit Union's key safety ratios?
For Q2 2026, Co-Op Credit Union reports net worth 11.55%, delinquency 0.80%, ROA 1.13%, loan-to-share 95.13%.
What happens to my money if Co-Op Credit Union fails?
For Q2 2026, Co-Op Credit Union held $548.2M in shares and deposits for 23,862 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.