Credit Union Safety Analysis
Is Sheboygan Area Credit Union Safe? Sheboygan, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Sheboygan Area Credit Union has a net worth ratio of 15.26%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.13%, 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, Sheboygan Area Credit Union's net worth ratio is 15.26%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.26%
- Delinquency ratio (60+ days) (Q2 2026): 0.13%
- Return on assets (Q2 2026): 2.02%
- Loan-to-share ratio (Q2 2026): 67.90%
Sheboygan Area Credit Union (NCUA charter 66616, established 1954) reported $93.4M in assets and 6,911 members for Q2 2026 from Sheboygan, Wisconsin. It ranks 50 of 98 credit unions in Wisconsin by total assets. Total assets grew 8.1% from $86.4M on June 30, 2025. It has 65 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.88 percentage points from 14.38% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $25.2M of $53.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.13% 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: 15.22% for Q1 2026; 14.38% 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: 0.33% for Q1 2026; 0.21% 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: 1.85% for Q1 2026; 2.27% 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: 69.10% for Q1 2026; 70.51% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $25.2M
- Used vehicle loans: $19.1M
- New vehicle loans: $4.3M
- Commercial loans: $2.4M
- Other secured non-real estate loans and lines of credit: $1.4M
- Other unsecured loans and lines of credit: $640K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $93.4M | 15.26% | 0.13% | 2.02% | 67.90% |
| March 31, 2026 | $90.5M | 15.22% | 0.33% | 1.85% | 69.10% |
| December 31, 2025 | $87.1M | 15.35% | 0.42% | 2.13% | 71.23% |
| September 30, 2025 | $86.8M | 14.91% | 0.42% | 2.34% | 71.24% |
| June 30, 2025 | $86.4M | 14.38% | 0.21% | 2.27% | 70.51% |
| March 31, 2025 | $85.9M | 13.91% | 0.01% | 2.02% | 69.34% |
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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.
Sheboygan Area Credit Union profile
Regulator records: NCUA credit union profile (charter 66616) · FFIEC NIC profile (RSSD 864891)
Frequently asked questions
Is Sheboygan Area Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sheboygan Area Credit Union's net worth ratio is 15.26%, above the 7% NCUA threshold for well capitalized.
Is Sheboygan Area Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sheboygan Area Credit Union is a federally insured credit union (NCUA charter 66616): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sheboygan Area Credit Union's key safety ratios?
For Q2 2026, Sheboygan Area Credit Union reports net worth 15.26%, delinquency 0.13%, ROA 2.02%, loan-to-share 67.90%.
What happens to my money if Sheboygan Area Credit Union fails?
For Q2 2026, Sheboygan Area Credit Union held $78.1M in shares and deposits for 6,911 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.