Credit Union Safety Analysis
Is Tri-County Credit Union Safe? Marinette, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Tri-County Credit Union has a net worth ratio of 11.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.18%, 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, Tri-County Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.10%
- Delinquency ratio (60+ days) (Q2 2026): 2.18%
- Return on assets (Q2 2026): -0.05%
- Loan-to-share ratio (Q2 2026): 96.69%
Tri-County Credit Union (NCUA charter 66640, established 1936) reported $43.3M in assets and 3,029 members for Q2 2026 from Marinette, Wisconsin. It ranks 71 of 98 credit unions in Wisconsin by total assets. Total assets grew 4.0% from $41.7M on June 30, 2025. It has 56 more members than on June 30, 2025 (+1.9%). Its net worth ratio was down 0.01 percentage points from 11.11% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $14.5M of $37.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.18% is above 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: 11.20% for Q1 2026; 11.11% 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: 0.29% for Q1 2026; 0.68% 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: 1.06% for Q1 2026; 0.87% 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: 93.43% for Q1 2026; 86.39% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $14.5M
- Used vehicle loans: $10.8M
- New vehicle loans: $3.6M
- Non-federally guaranteed student loans: $3.0M
- Other secured non-real estate loans and lines of credit: $2.9M
- Other unsecured loans and lines of credit: $2.3M
- Unsecured credit card loans: $12K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $43.3M | 11.10% | 2.18% | -0.05% | 96.69% |
| March 31, 2026 | $43.0M | 11.20% | 0.29% | 1.06% | 93.43% |
| December 31, 2025 | $41.1M | 11.42% | 1.79% | 0.83% | 95.57% |
| September 30, 2025 | $40.5M | 11.64% | 1.23% | 0.81% | 95.42% |
| June 30, 2025 | $41.7M | 11.11% | 0.68% | 0.87% | 86.39% |
| March 31, 2025 | $40.8M | 11.11% | 0.89% | -2.13% | 84.07% |
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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.
Tri-County Credit Union profile
Regulator records: NCUA credit union profile (charter 66640) · FFIEC NIC profile (RSSD 188690)
Frequently asked questions
Is Tri-County Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tri-County Credit Union's net worth ratio is 11.10%, above the 7% NCUA threshold for well capitalized.
Is Tri-County Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tri-County Credit Union is a federally insured credit union (NCUA charter 66640): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tri-County Credit Union's key safety ratios?
For Q2 2026, Tri-County Credit Union reports net worth 11.10%, delinquency 2.18%, ROA -0.05%, loan-to-share 96.69%.
What happens to my money if Tri-County Credit Union fails?
For Q2 2026, Tri-County Credit Union held $38.4M in shares and deposits for 3,029 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.