Credit Union Safety Analysis
Is County-City Credit Union Safe? Jefferson, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, County-City Credit Union has a net worth ratio of 11.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.41%, 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, County-City Credit Union's net worth ratio is 11.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.41%
- Return on assets (Q2 2026): 1.29%
- Loan-to-share ratio (Q2 2026): 49.94%
County-City Credit Union (NCUA charter 66456, established 1963) reported $43.6M in assets and 2,956 members for Q2 2026 from Jefferson, Wisconsin. It ranks 70 of 98 credit unions in Wisconsin by total assets. Total assets grew 7.6% from $40.6M on June 30, 2025. It has 54 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was up 0.22 percentage points from 11.08% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $10.1M of $19.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.41% 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: 11.27% for Q1 2026; 11.08% 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: 0.01% for Q1 2026; 0.04% 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: 0.86% for Q1 2026; 1.27% 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: 51.36% for Q1 2026; 54.57% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $10.1M
- Used vehicle loans: $4.9M
- Other secured non-real estate loans and lines of credit: $2.6M
- Unsecured credit card loans: $599K
- New vehicle loans: $598K
- Other unsecured loans and lines of credit: $254K
- Commercial loans: $64K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $43.6M | 11.30% | 0.41% | 1.29% | 49.94% |
| March 31, 2026 | $42.5M | 11.27% | 0.01% | 0.86% | 51.36% |
| December 31, 2025 | $41.7M | 11.26% | 0.01% | 1.14% | 52.42% |
| September 30, 2025 | $41.3M | 11.16% | 0.03% | 1.10% | 53.70% |
| June 30, 2025 | $40.6M | 11.08% | 0.04% | 1.27% | 54.57% |
| March 31, 2025 | $39.6M | 11.02% | — | 0.93% | 54.11% |
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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.
County-City Credit Union profile
Regulator records: NCUA credit union profile (charter 66456) · FFIEC NIC profile (RSSD 595494)
Frequently asked questions
Is County-City Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, County-City Credit Union's net worth ratio is 11.30%, above the 7% NCUA threshold for well capitalized.
Is County-City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. County-City Credit Union is a federally insured credit union (NCUA charter 66456): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are County-City Credit Union's key safety ratios?
For Q2 2026, County-City Credit Union reports net worth 11.30%, delinquency 0.41%, ROA 1.29%, loan-to-share 49.94%.
What happens to my money if County-City Credit Union fails?
For Q2 2026, County-City Credit Union held $38.3M in shares and deposits for 2,956 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.