Credit Union Safety Analysis
Is PCM Credit Union Safe? Green Bay, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, PCM Credit Union has a net worth ratio of 10.52%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, 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, PCM Credit Union's net worth ratio is 10.52%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.52%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 0.86%
- Loan-to-share ratio (Q2 2026): 87.50%
PCM Credit Union (NCUA charter 66424, established 1958) reported $514.6M in assets and 15,690 members for Q2 2026 from Green Bay, Wisconsin. It ranks 22 of 98 credit unions in Wisconsin by total assets. Total assets grew 5.7% from $487.1M on June 30, 2025. It has 491 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 0.28 percentage points from 10.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $282.9M of $365.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% 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: 10.38% for Q1 2026; 10.24% 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: 0.56% for Q1 2026; 0.49% 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: 1.06% for Q1 2026; 0.61% 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: 87.30% for Q1 2026; 89.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $282.9M
- Used vehicle loans: $43.7M
- Other secured non-real estate loans and lines of credit: $13.2M
- New vehicle loans: $10.4M
- Unsecured credit card loans: $8.2M
- Other unsecured loans and lines of credit: $6.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $514.6M | 10.52% | 0.61% | 0.86% | 87.50% |
| March 31, 2026 | $511.3M | 10.38% | 0.56% | 1.06% | 87.30% |
| December 31, 2025 | $501.0M | 10.32% | 0.52% | 0.66% | 90.32% |
| September 30, 2025 | $498.3M | 10.22% | 0.52% | 0.81% | 90.03% |
| June 30, 2025 | $487.1M | 10.24% | 0.49% | 0.61% | 89.85% |
| March 31, 2025 | $476.2M | 10.32% | 0.31% | 0.43% | 88.67% |
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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 66424) · FFIEC NIC profile (RSSD 798790)
Frequently asked questions
Is PCM Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, PCM Credit Union's net worth ratio is 10.52%, above the 7% NCUA threshold for well capitalized.
Is PCM Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. PCM Credit Union is a federally insured credit union (NCUA charter 66424): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are PCM Credit Union's key safety ratios?
For Q2 2026, PCM Credit Union reports net worth 10.52%, delinquency 0.61%, ROA 0.86%, loan-to-share 87.50%.
What happens to my money if PCM Credit Union fails?
For Q2 2026, PCM Credit Union held $417.6M in shares and deposits for 15,690 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.