Credit Union Safety Analysis
Is Sentry Credit Union Safe? Stevens Point, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Sentry Credit Union has a net worth ratio of 12.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.44%, 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, Sentry Credit Union's net worth ratio is 12.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.41%
- Delinquency ratio (60+ days) (Q2 2026): 0.44%
- Return on assets (Q2 2026): 0.66%
- Loan-to-share ratio (Q2 2026): 73.42%
Sentry Credit Union (NCUA charter 66439, established 1935) reported $172.5M in assets and 7,231 members for Q2 2026 from Stevens Point, Wisconsin. It ranks 39 of 98 credit unions in Wisconsin by total assets. Total assets grew 10.9% from $155.5M on June 30, 2025. 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.
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: 12.42% for Q1 2026; 12.90% 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: 0.40% for Q1 2026; 0.12% 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: 0.81% for Q1 2026; 0.93% 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: 73.59% for Q1 2026; 78.64% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $71.1M
- Used vehicle loans: $17.0M
- New vehicle loans: $10.7M
- Other secured non-real estate loans and lines of credit: $4.6M
- Other unsecured loans and lines of credit: $3.7M
- Unsecured credit card loans: $2.3M
- Non-federally guaranteed student loans: $113K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $172.5M | 12.41% | 0.44% | 0.66% | 73.42% |
| March 31, 2026 | $170.1M | 12.42% | 0.40% | 0.81% | 73.59% |
| December 31, 2025 | $162.0M | 12.83% | 0.46% | 0.85% | 77.90% |
| September 30, 2025 | $158.4M | 12.90% | 0.17% | 0.97% | 77.90% |
| June 30, 2025 | $155.5M | 12.90% | 0.12% | 0.93% | 78.64% |
| March 31, 2025 | $151.9M | 12.97% | 0.12% | 0.81% | 78.93% |
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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 66439) · FFIEC NIC profile (RSSD 857295)
Frequently asked questions
Is Sentry Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sentry Credit Union's net worth ratio is 12.41%, above the 7% NCUA threshold for well capitalized.
Is Sentry Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sentry Credit Union is a federally insured credit union (NCUA charter 66439): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sentry Credit Union's key safety ratios?
For Q2 2026, Sentry Credit Union reports net worth 12.41%, delinquency 0.44%, ROA 0.66%, loan-to-share 73.42%.
What happens to my money if Sentry Credit Union fails?
For Q2 2026, Sentry Credit Union held $149.0M in shares and deposits for 7,231 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.