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Credit Union Safety Analysis

Is Glacier Hills Credit Union Safe? West Bend, Wisconsin

Based on its Q2 2026 NCUA 5300 call report, Glacier Hills Credit Union has a net worth ratio of 10.98%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, 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, Glacier Hills Credit Union's net worth ratio is 10.98%, above the 7% NCUA threshold for well capitalized.

  • Net worth ratio (Q2 2026): 10.98%
  • Delinquency ratio (60+ days) (Q2 2026): 0.91%
  • Return on assets (Q2 2026): 1.36%
  • Loan-to-share ratio (Q2 2026): 81.86%

Glacier Hills Credit Union (NCUA charter 67238, established 1900) reported $285.8M in assets and 17,068 members for Q2 2026 from West Bend, Wisconsin. It ranks 33 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.3% from $271.3M on June 30, 2025. It has 38 more members than on June 30, 2025 (+0.2%). Its net worth ratio was up 0.67 percentage points from 10.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $105.3M of $205.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% 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

Overall assessment Pass: well capitalized under NCUA rules and within our reference bands on every measure

Scorecard by dimension

Capital adequacy PASS
Net worth ratio: 10.98%

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: 10.71% for Q1 2026; 10.31% for Q2 2025.

Asset quality PASS
Delinquency ratio: 0.91%

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: 0.77% for Q1 2026; 0.64% for Q2 2025.

Earnings PASS
Return on assets: 1.36%

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: 0.99% for Q1 2026; 1.15% for Q2 2025.

Liquidity PASS
Loan-to-share ratio: 81.86%

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: 79.25% for Q1 2026; 80.32% for Q2 2025.

Loans by type, Q2 2026

  • 1- to 4-family residential and other consumer real estate loans: $105.3M
  • Used vehicle loans: $60.3M
  • New vehicle loans: $13.0M
  • Other secured non-real estate loans and lines of credit: $10.3M
  • Other unsecured loans and lines of credit: $6.7M
  • Unsecured credit card loans: $5.1M
  • Commercial loans: $4.5M

Scored ratios by quarter

Quarter Total assets Net worth ratio Delinquency ROA Loan-to-share
June 30, 2026 $285.8M 10.98% 0.91% 1.36% 81.86%
March 31, 2026 $284.0M 10.71% 0.77% 0.99% 79.25%
December 31, 2025 $275.0M 10.80% 0.69% 1.30% 81.83%
September 30, 2025 $269.5M 10.69% 0.59% 1.26% 81.40%
June 30, 2025 $271.3M 10.31% 0.64% 1.15% 80.32%
March 31, 2025 $267.3M 10.17% 0.71% 0.91% 79.91%

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Glacier Hills Credit Union: regulatory capital profile · BankRegReports
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.

Glacier Hills Credit Union profile

Regulator records: NCUA credit union profile (charter 67238) · FFIEC NIC profile (RSSD 65894)

Frequently asked questions

Is Glacier Hills Credit Union well capitalized?

On its Q2 2026 NCUA 5300 call report, Glacier Hills Credit Union's net worth ratio is 10.98%, above the 7% NCUA threshold for well capitalized.

Is Glacier Hills Credit Union FDIC insured?

No. The FDIC insures banks, not credit unions. Glacier Hills Credit Union is a federally insured credit union (NCUA charter 67238): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.

What are Glacier Hills Credit Union's key safety ratios?

For Q2 2026, Glacier Hills Credit Union reports net worth 10.98%, delinquency 0.91%, ROA 1.36%, loan-to-share 81.86%.

What happens to my money if Glacier Hills Credit Union fails?

For Q2 2026, Glacier Hills Credit Union held $250.7M in shares and deposits for 17,068 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.