Lakewood Credit Union Rib Lake, Wisconsin
Lakewood Credit Union is a state-chartered credit union headquartered in Rib Lake, WI, established in 1979 (NCUA charter 66999), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,141 members and total assets of $16.0M (up 12.7% from Q2 2025), the 82nd largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 10.92% at Q2 2026, in the well capitalized band.
Also written as Lakewood CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66999
- Headquarters
- Rib Lake, WI
- Established
- 1979
- Total assets, Q2 2026
- $16.0M
- Assets vs Q2 2025
- +12.7%
- Members, Q2 2026
- 1,141
- Net worth ratio, Q2 2026
- 10.92%
- Latest call report
- Q2 2026, NCUA 5300 · Lakewood Credit Union call report
- Asset rank in state
- 82nd of 98 in Wisconsin
- Routing number
- 291580724
- Branches
- 1
It has 12 more members than on June 30, 2025 (+1.1%). Its net worth ratio was down 1.53 percentage points from 12.45% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $7.5M of $11.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.91% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.92% net worth ratio is below that band's 14.31% median.
Frequently asked about Lakewood Credit Union
How big is Lakewood Credit Union?
At Q2 2026 it reported total assets of $16.0M and 1,141 members.
Where is Lakewood Credit Union headquartered?
It is headquartered in Rib Lake, WI, United States.
When was Lakewood Credit Union founded?
It was established in 1979, per NCUA records.
Is Lakewood Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66999): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Lakewood Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Lakewood Credit Union well capitalized?
Its net worth ratio was 10.92% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Lakewood Credit Union's delinquency ratio?
Its delinquency ratio was 1.91% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Lakewood Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rib Lake, WI 54470
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 66999
- RSSD ID
- 241698
- Members
- 1,141
- Potential members
- 62,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.92% | 14.31% | 23rd bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.45% | 0.72% | 38th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.16% | 4.74% | 46th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.03% | 3.93% | 54th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.25% | 79.83% | 34th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.96% | 0.78% | 40th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.91% | 0.86% | 25th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.99% | 4.70% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.16% | 58.92% | 82nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$16.0M total assets against $14.2M; $14.2M total shares and deposits against $12.4M; $11.7M total loans against $9.1M.
$1.7M net worth against $1.8M.
10.92% net worth ratio against 12.45%.
82.16% loan-to-share ratio against 73.40%.
1.91% delinquency ratio against 1.71%.
0.45% return on assets against -0.44%; 4.16% return on equity against -3.56%.
4.03% net interest margin against 3.79%.
1,141 members against 1,129.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.92% | 0.45% | 1.91% | 82.16% |
| March 31, 2026 | 11.58% | -1.40% | 1.28% | 82.76% |
| December 31, 2025 | 12.15% | 0.51% | 0.96% | 77.91% |
| September 30, 2025 | 12.30% | -0.16% | 1.33% | 71.07% |
| June 30, 2025 | 12.45% | -0.44% | 1.71% | 73.40% |
| March 31, 2025 | 12.96% | 0.93% | 1.26% | 72.19% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.