State credit union · Plover, Wisconsin · NCUA charter #66513
Central Wisconsin
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $53.6M
- Total assets
- 3,610
- Members
- 10.5%
- Net-worth ratio
Central Wisconsin scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.6M; members 3,610; net-worth ratio 10.47%; health rank #1,492 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,492 of 4,374 health · 2025Q4Central Wisconsin · health 88/100 · $53.6M · 2025Q4
Call Report peers
Central Wisconsin in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Wisconsin vs every NCUA-scored credit union
Central Wisconsin sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Peer-gap read for Central Wisconsin
- Loan-to-Share Ratio leads the peer set - 65.10% here, 62.60% peer average (+2.50 pp).
- Net Worth Ratio trails the peer set - 10.47% here, 13.62% peer average (-3.15 pp).
Central Wisconsin: in-state Call Report ranks
- Wisconsin health ordinal: #58 of 100.
- Wisconsin assets place: #63 of 100.
- Member book place in Wisconsin: #63 of 100.
- One place up in Wisconsin, Northwestern Mutual (#57) ties at 88/100; one place down, COVANTAGE (#59) ties at 88/100.
Central Wisconsin: 2025Q4 → 2026Q1
Central Wisconsin: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $53.6M (2025Q4) to $55.2M (2026Q1).
- Net-worth ratio shifted +0.22 pp (10.25% → 10.47%).
At 10.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Central Wisconsin gives up 12 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 13.4 pts
Call Report ratios for Central Wisconsin
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -3.15 pp |
| Delinquency Rate | 0.22% | -0.74 pp |
| Return on Assets | 0.82% | +0.16 pp |
| Member Growth | -2.46% | - |
| Loan-to-Share Ratio | 65.10% | +2.50 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.2M | - |
| 2025Q4 | $53.6M | 3,610 |
| 2024Q4 | $49.9M | 3,701 |
| 2023Q4 | $49.7M | 3,744 |
Credit Union Details
- Charter Number
- 66513
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- Plover
- Data Quarter
- 2025Q4
Branch Locations (2)
Central Wisconsin operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Home Office (Main Office) | Plover, WI |
| Stevens Point | Stevens Point, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- Central Wisconsin ranks #1,492 of 4,374 nationally on financial health and #58 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BADGER-GLOBE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BADGER-GLOBE
Frequently Asked Questions
Is Central Wisconsin financially healthy?
Central Wisconsin has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,492 of 4,374 nationally on health and #58 of 100 in Wisconsin. Its net worth ratio is 10.47% and its delinquency rate 0.22%.
How does Central Wisconsin compare to other credit unions?
Central Wisconsin scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (65.10% vs 62.60%). Its widest shortfall is net worth ratio (10.47% vs 13.62%).
How can I join Central Wisconsin?
Membership eligibility for Central Wisconsin depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Wisconsin directly for current membership requirements and application steps.
Is my money safe at Central Wisconsin?
Central Wisconsin 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. Central Wisconsin's net worth ratio of 10.47% 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.