State credit union · Black River Fal, Wisconsin · NCUA charter #66983
CO-OP
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $601.4M
- Total assets
- 23,551
- Members
- 11.5%
- Net-worth ratio
CO-OP scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $601.4M; members 23,551; net-worth ratio 11.48%; health rank #1,120 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,120 of 4,374 health · 2025Q4CO-OP · health 90/100 · $601.4M · 2025Q4
- PHOTO 90/100
- BOOK 11.5%
- CHARTER 0.72%
- NCUSIF 0.58%
- CAMELS $601.4M
- HEALTH 23,551
- NW #1,120/4,374
- DELQ MINNCO
- ROA 66983
Call Report peers
CO-OP in the assets neighbourhood
CO-OP's $601.4M assets sit next to MINNCO ($601.8M) 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.
CO-OP 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
90 Top 27% higher than 73% 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
CO-OP - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66983, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CO-OP: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 96.52% vs peer 83.90% (+12.62 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CO-OP in Wisconsin
- Wisconsin health ordinal: #42 of 100.
- Wisconsin assets place: #20 of 100.
- Member book place in Wisconsin: #24 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.
Quarter path for CO-OP
CO-OP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $601.4M (2025Q4) to $615.0M (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.45% → 11.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 11.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.48% | +0.30 pp |
| Delinquency Rate | 0.72% | -0.15 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | 1.23% | - |
| Loan-to-Share Ratio | 96.52% | +12.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - CO-OP
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $615.0M | - |
| 2025Q4 | $601.4M | 23,551 |
| 2024Q4 | $571.7M | 23,265 |
| 2023Q4 | $533.8M | 22,121 |
Credit Union Details
- Charter Number
- 66983
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Black River Fal
- Data Quarter
- 2025Q4
Branch Locations (9)
CO-OP operates 9 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Black River Falls, WI |
| Cty A Drive Up | Black River Falls, WI |
| Tiger Credit Union - In-school branch | Black River Falls, WI |
| Fall Creek | Fall Creek, WI |
| Galesville | Galesville, WI |
| La Crosse | La Crosse, WI |
| Melrose | Melrose, WI |
| Onalaska | Onalaska, WI |
| Strum | Strum, 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.
CO-OP nationwide neighbourhoods
Cross-state asset and health neighbours for CO-OP - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($601.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- CO-OP ranks #1,120 of 4,374 nationally on financial health and #42 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEARTLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEARTLAND
- 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 CO-OP financially healthy?
CO-OP scores 90/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,120 of 4,374; by total assets it ranks #680 of 4,374 nationally (same basis as /rankings/largest); and #20 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.48% net worth ratio and a 0.72% delinquency rate.
How does CO-OP compare to other credit unions?
90/100 is CO-OP's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 CO-OP?
Membership eligibility for CO-OP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CO-OP directly for current membership requirements and application steps.
Is my money safe at CO-OP?
Federal credit unions like CO-OP 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. CO-OP's net worth ratio of 11.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CO-OP offer compared to banks?
Credit unions like CO-OP 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 CO-OP 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.