Credit Union Safety Analysis
Is N.E.W. Credit Union Safe? Oconto Falls, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, N.E.W. Credit Union has a net worth ratio of 11.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.36%, 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, N.E.W. Credit Union's net worth ratio is 11.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.09%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 1.32%
- Loan-to-share ratio (Q2 2026): 76.58%
N.E.W. Credit Union (NCUA charter 67017, established 1962) reported $178.2M in assets and 12,272 members for Q2 2026 from Oconto Falls, Wisconsin. It ranks 37 of 98 credit unions in Wisconsin by total assets. Total assets grew 13.7% from $156.8M on June 30, 2025. It has 121 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.24 percentage points from 11.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $74.2M of $118.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.36% is below 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: 11.14% for Q1 2026; 11.33% 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: 0.52% for Q1 2026; 0.43% 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: 1.24% for Q1 2026; 1.22% 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: 70.65% for Q1 2026; 65.05% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $74.2M
- Used vehicle loans: $27.4M
- Other secured non-real estate loans and lines of credit: $8.2M
- New vehicle loans: $5.9M
- Unsecured credit card loans: $1.5M
- Other unsecured loans and lines of credit: $931K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $178.2M | 11.09% | 0.36% | 1.32% | 76.58% |
| March 31, 2026 | $172.1M | 11.14% | 0.52% | 1.24% | 70.65% |
| December 31, 2025 | $165.2M | 11.29% | 0.45% | 1.29% | 70.82% |
| September 30, 2025 | $158.3M | 11.47% | 0.46% | 1.00% | 71.92% |
| June 30, 2025 | $156.8M | 11.33% | 0.43% | 1.22% | 65.05% |
| March 31, 2025 | $153.8M | 11.23% | 0.21% | 1.12% | 61.41% |
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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.
Regulator records: NCUA credit union profile (charter 67017) · FFIEC NIC profile (RSSD 943796)
Frequently asked questions
Is N.E.W. Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, N.E.W. Credit Union's net worth ratio is 11.09%, above the 7% NCUA threshold for well capitalized.
Is N.E.W. Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. N.E.W. Credit Union is a federally insured credit union (NCUA charter 67017): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are N.E.W. Credit Union's key safety ratios?
For Q2 2026, N.E.W. Credit Union reports net worth 11.09%, delinquency 0.36%, ROA 1.32%, loan-to-share 76.58%.
What happens to my money if N.E.W. Credit Union fails?
For Q2 2026, N.E.W. Credit Union held $154.3M in shares and deposits for 12,272 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.