Credit Union Safety Analysis
Is Park City Credit Union Safe? Merrill, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Park City Credit Union has a net worth ratio of 9.92%, 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.
BankRegReports is independent of Park City Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Park City Credit Union's net worth ratio is 9.92%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.92%
- Delinquency ratio (60+ days) (Q2 2026): 0.36%
- Return on assets (Q2 2026): 0.89%
- Loan-to-share ratio (Q2 2026): 92.82%
Park City Credit Union (NCUA charter 67196, established 1979) reported $397.4M in assets and 26,773 members for Q2 2026 from Merrill, Wisconsin. It ranks 25 of 98 credit unions in Wisconsin by total assets. Total assets grew 7.0% from $371.6M on June 30, 2025. It has 1,682 more members than on June 30, 2025 (+6.7%). Its net worth ratio was up 0.28 percentage points from 9.64% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $120.1M of $314.7M 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: 9.88% for Q1 2026; 9.64% 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: 0.46% for Q1 2026; 0.44% 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: 0.76% for Q1 2026; 0.79% 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: 88.10% for Q1 2026; 87.11% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $120.1M
- Used vehicle loans: $75.1M
- New vehicle loans: $47.4M
- Other secured non-real estate loans and lines of credit: $35.4M
- Commercial loans: $31.4M
- Unsecured credit card loans: $2.8M
- Other unsecured loans and lines of credit: $2.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $397.4M | 9.92% | 0.36% | 0.89% | 92.82% |
| March 31, 2026 | $390.0M | 9.88% | 0.46% | 0.76% | 88.10% |
| December 31, 2025 | $381.3M | 9.91% | 0.42% | 1.02% | 87.97% |
| September 30, 2025 | $376.8M | 9.80% | 0.56% | 0.98% | 88.01% |
| June 30, 2025 | $371.6M | 9.64% | 0.44% | 0.79% | 87.11% |
| March 31, 2025 | $368.5M | 9.52% | 0.42% | 0.62% | 84.16% |
Add this badge to your website
Free to use. It shows Park City 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.
Park City Credit Union profile
Regulator records: NCUA credit union profile (charter 67196) · FFIEC NIC profile (RSSD 910891)
Frequently asked questions
Is Park City Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Park City Credit Union's net worth ratio is 9.92%, above the 7% NCUA threshold for well capitalized.
Is Park City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Park City Credit Union is a federally insured credit union (NCUA charter 67196): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Park City Credit Union's key safety ratios?
For Q2 2026, Park City Credit Union reports net worth 9.92%, delinquency 0.36%, ROA 0.89%, loan-to-share 92.82%.
What happens to my money if Park City Credit Union fails?
For Q2 2026, Park City Credit Union held $339.0M in shares and deposits for 26,773 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.