Sentry Credit Union Stevens Point, Wisconsin
Sentry Credit Union is a state-chartered credit union headquartered in Stevens Point, WI, established in 1935 (NCUA charter 66439), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,231 members and total assets of $172.5M (up 10.9% from Q2 2025), the 39th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 12.41% at Q2 2026, in the well capitalized band.
Also written as Sentry CU
BankRegReports is independent of Sentry Credit Union and never asks for online banking logins or passwords.
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
- 66439
- Headquarters
- Stevens Point, WI
- Established
- 1935
- Total assets, Q2 2026
- $172.5M
- Assets vs Q2 2025
- +10.9%
- Members, Q2 2026
- 7,231
- Net worth ratio, Q2 2026
- 12.41%
- Latest call report
- Q2 2026, NCUA 5300 · Sentry Credit Union call report
- Asset rank in state
- 39th of 98 in Wisconsin
- Routing number
- 275981967
- Branches
- 2
It has 123 more members than on June 30, 2025 (+1.7%). Its net worth ratio was down 0.49 percentage points from 12.90% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $71.1M of $109.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.44% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.41% net worth ratio is above that band's 11.43% median.
Frequently asked about Sentry Credit Union
How big is Sentry Credit Union?
At Q2 2026 it reported total assets of $172.5M and 7,231 members.
Where is Sentry Credit Union headquartered?
It is headquartered in Stevens Point, WI, United States.
When was Sentry Credit Union founded?
It was established in 1935, per NCUA records.
Is Sentry Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66439): 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 Sentry 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 Sentry Credit Union well capitalized?
Its net worth ratio was 12.41% 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 Sentry Credit Union's delinquency ratio?
Its delinquency ratio was 0.44% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sentry Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Stevens Point, WI 54481
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 66439
- RSSD ID
- 857295
- Members
- 7,231
- Potential members
- 64,505
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 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.41% | 11.43% | 61st above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.66% | 0.81% | 40th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.35% | 7.02% | 37th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.87% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 71.42% | 76.55% | 67th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.62% | 1.24% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.44% | 0.68% | 71st above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.49% | 4.92% | 23rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 73.42% | 75.66% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$172.5M total assets against $155.5M; $149.0M total shares and deposits against $134.3M; $109.4M total loans against $105.6M.
$21.4M net worth against $20.1M.
12.41% net worth ratio against 12.90%.
73.42% loan-to-share ratio against 78.64%.
0.44% delinquency ratio against 0.12%.
0.66% return on assets against 0.93%; 5.35% return on equity against 7.21%.
2.87% net interest margin against 2.87%.
7,231 members against 7,108.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.41% | 0.66% | 0.44% | 73.42% |
| March 31, 2026 | 12.42% | 0.81% | 0.40% | 73.59% |
| December 31, 2025 | 12.83% | 0.85% | 0.46% | 77.90% |
| September 30, 2025 | 12.90% | 0.97% | 0.17% | 77.90% |
| June 30, 2025 | 12.90% | 0.93% | 0.12% | 78.64% |
| March 31, 2025 | 12.97% | 0.81% | 0.12% | 78.93% |
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.