University of Wisconsin Credit Union Madison, Wisconsin
University of Wisconsin Credit Union is a state-chartered credit union headquartered in Madison, WI, established in 1931 (NCUA charter 66492), and it is regulated and insured by the NCUA. At Q2 2026 it reported 396,812 members and total assets of $6.72B (up 10.5% from Q2 2025), the 4th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 9.21% at Q2 2026, in the well capitalized band.
Also written as University of Wisconsin CU · Trade name filed with the NCUA: UW Credit Union
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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
- 66492
- Headquarters
- Madison, WI
- Established
- 1931
- Total assets, Q2 2026
- $6.72B
- Assets vs Q2 2025
- +10.5%
- Members, Q2 2026
- 396,812
- Net worth ratio, Q2 2026
- 9.21%
- Latest call report
- Q2 2026, NCUA 5300 · University of Wisconsin Credit Union call report
- Asset rank in state
- 4th of 98 in Wisconsin
- Routing number
- 275979076
- Branches
- 42
It has 21,493 more members than on June 30, 2025 (+5.7%). Its net worth ratio was up 0.16 percentage points from 9.05% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.69B of $4.72B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.21% net worth ratio is below that band's 10.89% median.
Frequently asked about University of Wisconsin Credit Union
How big is University of Wisconsin Credit Union?
At Q2 2026 it reported total assets of $6.72B and 396,812 members.
Where is University of Wisconsin Credit Union headquartered?
It is headquartered in Madison, WI, United States.
When was University of Wisconsin Credit Union founded?
It was established in 1931, per NCUA records.
Is University of Wisconsin Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66492): 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 University of Wisconsin 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 University of Wisconsin Credit Union well capitalized?
Its net worth ratio was 9.21% 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 University of Wisconsin Credit Union's delinquency ratio?
Its delinquency ratio was 0.48% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is University of Wisconsin Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 81.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Madison, WI 53705
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1931
- NCUA Charter #
- 66492
- RSSD ID
- 789097
- Members
- 396,812
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.21% | 10.89% | 14th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.98% | 0.89% | 56th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 10.65% | 8.07% | 73rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.55% | 3.45% | 57th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 68.91% | 70.59% | 56th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.62% | 1.68% | 55th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.48% | 0.68% | 73rd above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.17% | 5.12% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 81.13% | 88.03% | 32nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.72B total assets against $6.08B; $5.82B total shares and deposits against $5.25B; $4.72B total loans against $4.32B.
$618.6M net worth against $550.1M.
9.21% net worth ratio against 9.05%.
81.13% loan-to-share ratio against 82.27%.
0.48% delinquency ratio against 0.54%.
0.98% return on assets against 0.89%; 10.65% return on equity against 9.82%.
3.55% net interest margin against 3.54%.
396,812 members against 375,319.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.21% | 0.98% | 0.48% | 81.13% |
| March 31, 2026 | 9.12% | 1.25% | 0.56% | 79.90% |
| December 31, 2025 | 9.23% | 1.00% | 0.62% | 82.21% |
| September 30, 2025 | 9.19% | 1.15% | 0.62% | 82.69% |
| June 30, 2025 | 9.05% | 0.89% | 0.54% | 82.27% |
| March 31, 2025 | 9.04% | 0.68% | 0.55% | 81.36% |
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.