Credit Union Safety Analysis
Is Fort Community Credit Union Safe? Fort Atkinson, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Fort Community Credit Union has a net worth ratio of 11.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.59%, 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, Fort Community Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.73%
- Delinquency ratio (60+ days) (Q2 2026): 1.59%
- Return on assets (Q2 2026): 1.04%
- Loan-to-share ratio (Q2 2026): 90.92%
Fort Community Credit Union (NCUA charter 67184, established 1940) reported $449.8M in assets and 21,656 members for Q2 2026 from Fort Atkinson, Wisconsin. It ranks 23 of 98 credit unions in Wisconsin by total assets. Total assets grew 13.1% from $397.7M on June 30, 2025. It has 72 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was down 0.80 percentage points from 12.53% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $189.2M of $309.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.59% 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: 12.30% for Q1 2026; 12.53% 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: 1.45% for Q1 2026; 1.61% 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: 0.21% for Q1 2026; 1.14% 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: 88.04% for Q1 2026; 80.02% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $189.2M
- Used vehicle loans: $50.7M
- Commercial loans: $23.7M
- Other unsecured loans and lines of credit: $17.4M
- New vehicle loans: $13.5M
- Other secured non-real estate loans and lines of credit: $9.4M
- Unsecured credit card loans: $5.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $449.8M | 11.73% | 1.59% | 1.04% | 90.92% |
| March 31, 2026 | $419.3M | 12.30% | 1.45% | 0.21% | 88.04% |
| December 31, 2025 | $405.9M | 12.66% | 1.97% | 0.82% | 82.93% |
| September 30, 2025 | $398.1M | 12.64% | 1.28% | 0.48% | 83.31% |
| June 30, 2025 | $397.7M | 12.53% | 1.61% | 1.14% | 80.02% |
| March 31, 2025 | $394.0M | 12.37% | 1.05% | 0.53% | 79.05% |
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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.
Fort Community Credit Union profile
Regulator records: NCUA credit union profile (charter 67184) · FFIEC NIC profile (RSSD 664194)
Frequently asked questions
Is Fort Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fort Community Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
Is Fort Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fort Community Credit Union is a federally insured credit union (NCUA charter 67184): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fort Community Credit Union's key safety ratios?
For Q2 2026, Fort Community Credit Union reports net worth 11.73%, delinquency 1.59%, ROA 1.04%, loan-to-share 90.92%.
What happens to my money if Fort Community Credit Union fails?
For Q2 2026, Fort Community Credit Union held $340.5M in shares and deposits for 21,656 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.