Credit Union Safety Analysis
Is University of Wisconsin Credit Union Safe? Madison, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, University of Wisconsin Credit Union has a net worth ratio of 9.21%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, 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, University of Wisconsin Credit Union's net worth ratio is 9.21%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.21%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 0.98%
- Loan-to-share ratio (Q2 2026): 81.13%
University of Wisconsin Credit Union (NCUA charter 66492, established 1931) reported $6.72B in assets and 396,812 members for Q2 2026 from Madison, Wisconsin. It ranks 4 of 98 credit unions in Wisconsin by total assets. Total assets grew 10.5% from $6.08B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.12% for Q1 2026; 9.05% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.56% for Q1 2026; 0.54% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.25% for Q1 2026; 0.89% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 79.90% for Q1 2026; 82.27% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.69B
- Used vehicle loans: $801.6M
- New vehicle loans: $472.0M
- Unsecured credit card loans: $288.5M
- Commercial loans: $236.4M
- Other unsecured loans and lines of credit: $128.9M
- Non-federally guaranteed student loans: $97.2M
- Other secured non-real estate loans and lines of credit: $5.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.72B | 9.21% | 0.48% | 0.98% | 81.13% |
| March 31, 2026 | $6.60B | 9.12% | 0.56% | 1.25% | 79.90% |
| December 31, 2025 | $6.30B | 9.23% | 0.62% | 1.00% | 82.21% |
| September 30, 2025 | $6.17B | 9.19% | 0.62% | 1.15% | 82.69% |
| June 30, 2025 | $6.08B | 9.05% | 0.54% | 0.89% | 82.27% |
| March 31, 2025 | $5.94B | 9.04% | 0.55% | 0.68% | 81.36% |
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Free to use. It shows University of Wisconsin Credit Union’s latest filed figures and updates each quarter.
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.
University of Wisconsin Credit Union profile
Regulator records: NCUA credit union profile (charter 66492) · FFIEC NIC profile (RSSD 789097)
Frequently asked questions
Is University of Wisconsin Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, University of Wisconsin Credit Union's net worth ratio is 9.21%, above the 7% NCUA threshold for well capitalized.
Is University of Wisconsin Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. University of Wisconsin Credit Union is a federally insured credit union (NCUA charter 66492): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are University of Wisconsin Credit Union's key safety ratios?
For Q2 2026, University of Wisconsin Credit Union reports net worth 9.21%, delinquency 0.48%, ROA 0.98%, loan-to-share 81.13%.
What happens to my money if University of Wisconsin Credit Union fails?
For Q2 2026, University of Wisconsin Credit Union held $5.82B in shares and deposits for 396,812 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.