Credit Union Safety Analysis
Is Oshkosh Community Credit Union Safe? Oshkosh, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Oshkosh Community Credit Union has a net worth ratio of 11.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, 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, Oshkosh Community Credit Union's net worth ratio is 11.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.23%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 0.84%
- Loan-to-share ratio (Q2 2026): 84.73%
Oshkosh Community Credit Union (NCUA charter 66779, established 1936) reported $20.3M in assets and 2,490 members for Q2 2026 from Oshkosh, Wisconsin. It ranks 79 of 98 credit unions in Wisconsin by total assets. Total assets fell 7.6% from $21.9M on June 30, 2025. It has 644 fewer members than on June 30, 2025 (-20.5%). Its net worth ratio was up 0.56 percentage points from 10.67% on June 30, 2025. Used vehicle loans are its largest loan category, $8.5M of $15.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% 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: 10.95% for Q1 2026; 10.67% 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: 0.54% for Q1 2026; 1.04% 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: -0.39% for Q1 2026; 1.33% 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: 85.16% for Q1 2026; 80.43% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.5M
- 1- to 4-family residential and other consumer real estate loans: $2.9M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $1.3M
- Other unsecured loans and lines of credit: $495K
- Unsecured credit card loans: $411K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $20.3M | 11.23% | 0.24% | 0.84% | 84.73% |
| March 31, 2026 | $20.4M | 10.95% | 0.54% | -0.39% | 85.16% |
| December 31, 2025 | $20.0M | 11.28% | 0.70% | 0.36% | 87.57% |
| September 30, 2025 | $19.5M | 11.61% | 0.95% | 0.82% | 91.80% |
| June 30, 2025 | $21.9M | 10.67% | 1.04% | 1.33% | 80.43% |
| March 31, 2025 | $22.5M | 10.07% | 0.94% | -0.76% | 77.43% |
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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.
Oshkosh Community Credit Union profile
Regulator records: NCUA credit union profile (charter 66779) · FFIEC NIC profile (RSSD 996297)
Frequently asked questions
Is Oshkosh Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Oshkosh Community Credit Union's net worth ratio is 11.23%, above the 7% NCUA threshold for well capitalized.
Is Oshkosh Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Oshkosh Community Credit Union is a federally insured credit union (NCUA charter 66779): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Oshkosh Community Credit Union's key safety ratios?
For Q2 2026, Oshkosh Community Credit Union reports net worth 11.23%, delinquency 0.24%, ROA 0.84%, loan-to-share 84.73%.
What happens to my money if Oshkosh Community Credit Union fails?
For Q2 2026, Oshkosh Community Credit Union held $17.9M in shares and deposits for 2,490 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.