Credit Union Safety Analysis
Is Focus Credit Union Safe? Wauwatosa, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Focus Credit Union has a net worth ratio of 14.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.49%, 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, Focus Credit Union's net worth ratio is 14.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.49%
- Return on assets (Q2 2026): 1.38%
- Loan-to-share ratio (Q2 2026): 87.50%
Focus Credit Union (NCUA charter 66451, established 1964) reported $61.7M in assets and 6,437 members for Q2 2026 from Wauwatosa, Wisconsin. It ranks 61 of 98 credit unions in Wisconsin by total assets. Total assets grew 1.3% from $60.9M on June 30, 2025. It has 146 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was up 1.37 percentage points from 12.64% on June 30, 2025. Used vehicle loans are its largest loan category, $25.5M of $45.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.49% 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: 13.76% for Q1 2026; 12.64% 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: 0.30% for Q1 2026; 0.73% 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: 1.32% for Q1 2026; 1.97% 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: 87.35% for Q1 2026; 87.43% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $25.5M
- New vehicle loans: $9.5M
- 1- to 4-family residential and other consumer real estate loans: $6.9M
- Unsecured credit card loans: $2.5M
- Other unsecured loans and lines of credit: $1.5M
- Other secured non-real estate loans and lines of credit: $24K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $61.7M | 14.01% | 0.49% | 1.38% | 87.50% |
| March 31, 2026 | $61.3M | 13.76% | 0.30% | 1.32% | 87.35% |
| December 31, 2025 | $60.5M | 13.60% | 0.47% | 1.87% | 90.23% |
| September 30, 2025 | $61.1M | 13.01% | 0.59% | 1.63% | 88.83% |
| June 30, 2025 | $60.9M | 12.64% | 0.73% | 1.97% | 87.43% |
| March 31, 2025 | $60.1M | 12.31% | 0.82% | 1.68% | 89.24% |
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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.
Regulator records: NCUA credit union profile (charter 66451) · FFIEC NIC profile (RSSD 33192)
Frequently asked questions
Is Focus Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Focus Credit Union's net worth ratio is 14.01%, above the 7% NCUA threshold for well capitalized.
Is Focus Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Focus Credit Union is a federally insured credit union (NCUA charter 66451): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Focus Credit Union's key safety ratios?
For Q2 2026, Focus Credit Union reports net worth 14.01%, delinquency 0.49%, ROA 1.38%, loan-to-share 87.50%.
What happens to my money if Focus Credit Union fails?
For Q2 2026, Focus Credit Union held $52.5M in shares and deposits for 6,437 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.