State credit union · Waterloo, Wisconsin · NCUA charter #66537
AVESTAR
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $65.0M
- Total assets
- 5,790
- Members
- 12.0%
- Net-worth ratio
AVESTAR scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.0M; members 5,790; net-worth ratio 11.97%; health rank #3,873 of 4,374; healthier than 11th of scored peers.
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NCUA 5300 Call Report Masthead
#3,873 of 4,374 health · 2025Q4AVESTAR · health 65/100 · $65.0M · 2025Q4
Call Report peers
AVESTAR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AVESTAR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AVESTAR sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
AVESTAR vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +34.77 pp (97.37% vs 62.60%).
- Net Worth Ratio trails the peer set - 11.97% here, 13.62% peer average (-1.65 pp).
Wisconsin standing for AVESTAR
- In Wisconsin, health place is #94 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #57 of 100 inside Wisconsin ($65.0M reported).
- Wisconsin membership ordinal: #56 of 100.
- One place up in Wisconsin, MARINE (#93) scores 69/100, 4 points higher; one place down, Superior Choice (#95) scores 63/100, 2 points lower.
AVESTAR Call Report trajectory
AVESTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $65.0M (2025Q4) to $66.5M (2026Q1).
- Net-worth ratio shifted -0.24 pp (12.21% → 11.97%).
11.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
AVESTAR gives up 35 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.9 pts
- Return on Assets 7.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.97% | -1.65 pp |
| Delinquency Rate | 1.55% | +0.59 pp |
| Return on Assets | 0.06% | -0.60 pp |
| Member Growth | -6.78% | - |
| Loan-to-Share Ratio | 97.37% | +34.77 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.5M | - |
| 2025Q4 | $65.0M | 5,790 |
| 2024Q4 | $65.2M | 6,211 |
| 2023Q4 | $64.6M | 6,250 |
Credit Union Details
- Charter Number
- 66537
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- Waterloo
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, AVESTAR runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Avestar Main (Main Office) | Waterloo, WI |
| Madison Office | Madison, WI |
| Avestar Marshall | Marshall, WI |
| Avestar Piggly Wiggly | Waterloo, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near AVESTAR
Using this data
- AVESTAR ranks #3,873 of 4,374 nationally on financial health and #94 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVERGREEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVERGREEN
Frequently Asked Questions
Is AVESTAR financially healthy?
On its 2025Q4 NCUA 5300 filing, AVESTAR scores 65/100 (Good), with a 11.97% net worth ratio and 1.55% of loans delinquent. It ranks #3,873 of 4,374 nationally on health and #94 of 100 in Wisconsin.
How does AVESTAR compare to other credit unions?
AVESTAR scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (97.37% vs 62.60%). Its widest shortfall is net worth ratio (11.97% vs 13.62%).
How can I join AVESTAR?
Membership eligibility for AVESTAR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AVESTAR directly for current membership requirements and application steps.
Is my money safe at AVESTAR?
AVESTAR is a state-chartered credit union; its shares are federally 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. AVESTAR's net worth ratio of 11.97% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.