Members' Advantage Credit Union Wisconsin Rapids, Wisconsin
Members' Advantage Credit Union is a state-chartered credit union headquartered in Wisconsin Rapids, WI, established in 1935 (NCUA charter 66633), and it is regulated and insured by the NCUA. At Q2 2026 it reported 11,153 members and total assets of $185.2M (up 0.5% from Q2 2025), the 36th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 19.23% at Q2 2026, in the well capitalized band.
Also written as Members' Advantage CU · Trade name filed with the NCUA: Corporate Central Credit Union
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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
- 66633
- Headquarters
- Wisconsin Rapids, WI
- Established
- 1935
- Total assets, Q2 2026
- $185.2M
- Assets vs Q2 2025
- +0.5%
- Members, Q2 2026
- 11,153
- Net worth ratio, Q2 2026
- 19.23%
- Latest call report
- Q2 2026, NCUA 5300 · Members' Advantage Credit Union call report
- Asset rank in state
- 36th of 98 in Wisconsin
- Routing number
- 275982584
- Branches
- 2
It has 242 fewer members than on June 30, 2025 (-2.1%). Its net worth ratio was up 1.75 percentage points from 17.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $53.7M of $123.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.21% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 19.23% net worth ratio is above that band's 11.43% median.
Frequently asked about Members' Advantage Credit Union
How big is Members' Advantage Credit Union?
At Q2 2026 it reported total assets of $185.2M and 11,153 members.
Where is Members' Advantage Credit Union headquartered?
It is headquartered in Wisconsin Rapids, WI, United States.
When was Members' Advantage Credit Union founded?
It was established in 1935, per NCUA records.
Is Members' Advantage Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66633): 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 Members' Advantage 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 Members' Advantage Credit Union well capitalized?
Its net worth ratio was 19.23% 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 Members' Advantage Credit Union's delinquency ratio?
Its delinquency ratio was 0.21% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Members' Advantage Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Wisconsin Rapids, WI 54494
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 66633
- RSSD ID
- 993698
- Members
- 11,153
- Potential members
- 150,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 19.23% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.98% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 10.29% | 7.02% | 77th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.05% | 3.70% | 72nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 59.03% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.95% | 1.24% | 73rd above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.21% | 0.68% | 89th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.00% | 4.92% | 54th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 84.13% | 75.66% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$185.2M total assets against $184.2M; $147.0M total shares and deposits against $150.0M; $123.6M total loans against $119.9M.
$35.6M net worth against $32.2M.
19.23% net worth ratio against 17.48%.
84.13% loan-to-share ratio against 79.93%.
0.21% delinquency ratio against 0.15%.
1.98% return on assets against 1.57%; 10.29% return on equity against 8.98%.
4.05% net interest margin against 3.69%.
11,153 members against 11,395.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.23% | 1.98% | 0.21% | 84.13% |
| March 31, 2026 | 18.91% | 1.69% | 0.14% | 82.16% |
| December 31, 2025 | 18.47% | 1.96% | 0.17% | 82.04% |
| September 30, 2025 | 18.26% | 1.83% | 0.13% | 83.18% |
| June 30, 2025 | 17.48% | 1.57% | 0.15% | 79.93% |
| March 31, 2025 | 17.23% | 1.33% | 0.21% | 81.36% |
Scroll sideways to see every column.
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.