Credit Union Safety Analysis
Is Wea Credit Union Safe? Madison, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Wea Credit Union has a net worth ratio of 11.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.15%, 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, Wea Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.15%
- Return on assets (Q2 2026): 1.13%
- Loan-to-share ratio (Q2 2026): 67.55%
Wea Credit Union (NCUA charter 66677, established 1931) reported $43.2M in assets and 2,858 members for Q2 2026 from Madison, Wisconsin. It ranks 72 of 98 credit unions in Wisconsin by total assets. Total assets grew 8.1% from $40.0M on June 30, 2025. It has 60 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.04 percentage points from 11.69% on June 30, 2025. Used vehicle loans are its largest loan category, $10.5M of $25.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% 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: 11.77% for Q1 2026; 11.69% 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: 0.30% for Q1 2026; 0.43% 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: 0.70% for Q1 2026; 1.19% 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: 67.42% for Q1 2026; 66.13% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $10.5M
- 1- to 4-family residential and other consumer real estate loans: $10.1M
- New vehicle loans: $3.1M
- Other unsecured loans and lines of credit: $1.1M
- Unsecured credit card loans: $448K
- Other secured non-real estate loans and lines of credit: $158K
- Commercial loans: $33K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $43.2M | 11.73% | 0.15% | 1.13% | 67.55% |
| March 31, 2026 | $42.1M | 11.77% | 0.30% | 0.70% | 67.42% |
| December 31, 2025 | $41.4M | 11.79% | 0.83% | 1.07% | 68.13% |
| September 30, 2025 | $40.4M | 11.85% | 0.31% | 1.06% | 67.17% |
| June 30, 2025 | $40.0M | 11.69% | 0.43% | 1.19% | 66.13% |
| March 31, 2025 | $39.1M | 11.65% | 0.57% | 1.04% | 68.90% |
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Free to use. It shows Wea 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.
Regulator records: NCUA credit union profile (charter 66677) · FFIEC NIC profile (RSSD 931494)
Frequently asked questions
Is Wea Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Wea Credit Union's net worth ratio is 11.73%, above the 7% NCUA threshold for well capitalized.
Is Wea Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Wea Credit Union is a federally insured credit union (NCUA charter 66677): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wea Credit Union's key safety ratios?
For Q2 2026, Wea Credit Union reports net worth 11.73%, delinquency 0.15%, ROA 1.13%, loan-to-share 67.55%.
What happens to my money if Wea Credit Union fails?
For Q2 2026, Wea Credit Union held $37.6M in shares and deposits for 2,858 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.