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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,492 of 4,374 health · 2025Q4Central Wisconsin · health 88/100 · $53.6M · 2025Q4
- NCUSIF 88/100
- CAMELS 10.5%
- HEALTH 0.22%
- NW 0.82%
- DELQ $53.6M
- ROA 3,610
- ASSETS #1,492/4,374
- MEM TELCO
- RANK 66513
Call Report peers
Central Wisconsin in the assets neighbourhood
Central Wisconsin's $53.6M assets sit next to TELCO ($53.6M) 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.
Central Wisconsin 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
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
Central Wisconsin - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66513 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central Wisconsin: 2025Q4 → 2026Q1
Central Wisconsin: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $53.6M (2025Q4) to $55.2M (2026Q1).
- Net-worth ratio shifted +0.22 pp (10.25% → 10.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Central Wisconsin's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Central Wisconsin financially healthy?
Central Wisconsin has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,492 of 4,374; by total assets it ranks #2,352 of 4,374 nationally (same basis as /rankings/largest); and #63 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.47% and delinquency rate of 0.22%.
How does Central Wisconsin compare to other credit unions?
On PlainCU's health composite, Central Wisconsin lands at 88/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Central Wisconsin 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. Central Wisconsin's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Wisconsin offer compared to banks?
Credit unions like Central Wisconsin 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 Central Wisconsin 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.