State credit union · Arcadia, Wisconsin · NCUA charter #66532
ARCADIA
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $139.0M
- Total assets
- 6,958
- Members
- 12.8%
- Net-worth ratio
ARCADIA scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $139.0M; members 6,958; net-worth ratio 12.75%; health rank #170 of 4,374; healthier than 95th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#170 of 4,374 health · 2025Q4ARCADIA · health 97/100 · $139.0M · 2025Q4
- ASSETS 97/100
- MEM 12.8%
- RANK 0.44%
- PHOTO 0.76%
- BOOK $139.0M
- CHARTER 6,958
- NCUSIF #170/4,374
- CAMELS CAMPBELL
- HEALTH 66532
Call Report peers
ARCADIA in the assets neighbourhood
ARCADIA's $139.0M assets sit next to CAMPBELL ($139.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARCADIA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ARCADIA - Share Insurance Coverage
Charter #66532's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where ARCADIA diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +16.39 pp (88.59% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ARCADIA in Wisconsin
- Wisconsin health ordinal: #7 of 100.
- By total assets, ARCADIA is #42 of 100 in Wisconsin.
- Member book place in Wisconsin: #49 of 100.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ARCADIA's 5300 filing moved
ARCADIA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $139.0M (2025Q4) to $142.0M (2026Q1).
- Net-worth ratio shifted +0.03 pp (12.72% → 12.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for ARCADIA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.75% | +0.64 pp |
| Delinquency Rate | 0.44% | -0.45 pp |
| Return on Assets | 0.76% | +0.14 pp |
| Member Growth | 2.32% | - |
| Loan-to-Share Ratio | 88.59% | +16.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $142.0M | - |
| 2025Q4 | $139.0M | 6,958 |
| 2024Q4 | $129.0M | 6,800 |
| 2023Q4 | $123.3M | 6,569 |
Credit Union Details
- Charter Number
- 66532
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Arcadia
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, ARCADIA runs one office.
| Office | City |
|---|---|
| Arcadia Credit Union (Main Office) | Arcadia, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
ARCADIA nationwide neighbourhoods
Cross-state asset and health neighbours for ARCADIA - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($139.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- ARCADIA ranks #170 of 4,374 nationally on financial health and #7 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIREFIGHTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIREFIGHTERS
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ARCADIA financially healthy?
Yes/no aside, the number is 97/100 (Excellent) - ARCADIA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #170 of 4,374; by total assets it ranks #1,551 of 4,374 nationally (same basis as /rankings/largest); and #42 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.75% net worth ratio and 0.44% delinquency rate are the key drivers.
How does ARCADIA compare to other credit unions?
PlainCU's health composite puts ARCADIA at 97/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ARCADIA?
Membership eligibility for ARCADIA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ARCADIA directly for current membership requirements and application steps.
Is my money safe at ARCADIA?
Federal credit unions like ARCADIA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ARCADIA's net worth ratio of 12.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ARCADIA offer compared to banks?
Credit unions like ARCADIA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ARCADIA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.