Credit Union Safety Analysis
Is Westconsin Credit Union Safe? Menomonie, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Westconsin Credit Union has a net worth ratio of 12.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.64%, 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, Westconsin Credit Union's net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.95%
- Delinquency ratio (60+ days) (Q2 2026): 0.64%
- Return on assets (Q2 2026): 0.87%
- Loan-to-share ratio (Q2 2026): 79.24%
Westconsin Credit Union (NCUA charter 66742, established 1939) reported $2.25B in assets and 128,032 members for Q2 2026 from Menomonie, Wisconsin. It ranks 12 of 98 credit unions in Wisconsin by total assets. Total assets grew 7.8% from $2.08B on June 30, 2025. It has 2,017 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 0.23 percentage points from 12.72% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $560.8M of $1.54B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.64% 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: 13.02% for Q1 2026; 12.72% 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: 0.59% for Q1 2026; 0.82% 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: 1.36% for Q1 2026; 1.02% 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: 79.69% for Q1 2026; 79.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $560.8M
- Commercial loans: $391.5M
- Used vehicle loans: $307.3M
- Other secured non-real estate loans and lines of credit: $147.9M
- New vehicle loans: $61.6M
- Unsecured credit card loans: $36.0M
- Other unsecured loans and lines of credit: $31.8M
- Non-federally guaranteed student loans: $1.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.25B | 12.95% | 0.64% | 0.87% | 79.24% |
| March 31, 2026 | $2.20B | 13.02% | 0.59% | 1.36% | 79.69% |
| December 31, 2025 | $2.16B | 12.87% | 0.72% | 1.38% | 80.58% |
| September 30, 2025 | $2.14B | 12.69% | 0.82% | 1.16% | 79.15% |
| June 30, 2025 | $2.08B | 12.72% | 0.82% | 1.02% | 79.85% |
| March 31, 2025 | $2.03B | 12.78% | 0.80% | 0.79% | 80.21% |
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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.
Westconsin Credit Union profile
Regulator records: NCUA credit union profile (charter 66742) · FFIEC NIC profile (RSSD 591599)
Frequently asked questions
Is Westconsin Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Westconsin Credit Union's net worth ratio is 12.95%, above the 7% NCUA threshold for well capitalized.
Is Westconsin Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Westconsin Credit Union is a federally insured credit union (NCUA charter 66742): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Westconsin Credit Union's key safety ratios?
For Q2 2026, Westconsin Credit Union reports net worth 12.95%, delinquency 0.64%, ROA 0.87%, loan-to-share 79.24%.
What happens to my money if Westconsin Credit Union fails?
For Q2 2026, Westconsin Credit Union held $1.94B in shares and deposits for 128,032 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.