Credit Union Safety Analysis
Is Gundersen Credit Union Safe? La Crosse, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Gundersen Credit Union has a net worth ratio of 13.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.07%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Gundersen Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Gundersen Credit Union's net worth ratio is 13.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.80%
- Delinquency ratio (60+ days) (Q2 2026): 0.07%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 90.95%
Gundersen Credit Union (NCUA charter 66477, established 1971) reported $85.3M in assets and 4,828 members for Q2 2026 from La Crosse, Wisconsin. It ranks 55 of 98 credit unions in Wisconsin by total assets. Total assets grew 38.9% from $61.4M on June 30, 2025. It has 1,201 more members than on June 30, 2025 (+33.1%). Its net worth ratio was up 1.27 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, $38.4M of $66.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.07% 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: 12.59% for Q1 2026; 12.53% 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: 0.11% for Q1 2026; 0.12% 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: 1.05% for Q1 2026; 0.97% 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: 89.80% for Q1 2026; 89.60% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $38.4M
- Used vehicle loans: $13.9M
- Other secured non-real estate loans and lines of credit: $5.2M
- New vehicle loans: $4.6M
- Unsecured credit card loans: $2.2M
- Commercial loans: $1.5M
- Other unsecured loans and lines of credit: $544K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $85.3M | 13.80% | 0.07% | 0.88% | 90.95% |
| March 31, 2026 | $65.0M | 12.59% | 0.11% | 1.05% | 89.80% |
| December 31, 2025 | $63.6M | 12.61% | 0.14% | 1.03% | 88.85% |
| September 30, 2025 | $61.6M | 12.76% | 0.13% | 1.08% | 92.55% |
| June 30, 2025 | $61.4M | 12.53% | 0.12% | 0.97% | 89.60% |
| March 31, 2025 | $61.6M | 12.24% | 0.09% | 1.03% | 83.45% |
Add this badge to your website
Free to use. It shows Gundersen 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.
Gundersen Credit Union profile
Regulator records: NCUA credit union profile (charter 66477) · FFIEC NIC profile (RSSD 957391)
Frequently asked questions
Is Gundersen Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Gundersen Credit Union's net worth ratio is 13.80%, above the 7% NCUA threshold for well capitalized.
Is Gundersen Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Gundersen Credit Union is a federally insured credit union (NCUA charter 66477): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Gundersen Credit Union's key safety ratios?
For Q2 2026, Gundersen Credit Union reports net worth 13.80%, delinquency 0.07%, ROA 0.88%, loan-to-share 90.95%.
What happens to my money if Gundersen Credit Union fails?
For Q2 2026, Gundersen Credit Union held $73.0M in shares and deposits for 4,828 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.