State credit union · Menomonee Falls, Wisconsin · NCUA charter #66451
FOCUS
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $60.5M
- Total assets
- 6,491
- Members
- 13.8%
- Net-worth ratio
FOCUS scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.5M; members 6,491; net-worth ratio 13.76%; health rank #1,083 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,083 of 4,374 health · 2025Q4FOCUS · health 90/100 · $60.5M · 2025Q4
Call Report peers
FOCUS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FOCUS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FOCUS sits in 90-94 with 747 others.
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
Where FOCUS diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 90.23% here, 62.60% peer average (+27.63 pp).
Where FOCUS sits in Wisconsin
- Wisconsin health ordinal: #38 of 100.
- Wisconsin assets place: #61 of 100.
- Membership ranks #54 of 100 among Wisconsin CUs with a reported count (6,491 members).
- One place up in Wisconsin, Governmental Employees (#37) scores 91/100, 1 point higher; one place down, Racine Municipal Employees (#39) ties at 90/100.
How FOCUS's 5300 filing moved
FOCUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $60.5M (2025Q4) to $61.3M (2026Q1).
- Net-worth ratio shifted +0.16 pp (13.60% → 13.76%).
At 13.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
FOCUS gives up 10 points in total. Member Growth costs the most, 10.3 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 4.7 pts
- Loan-to-Share Ratio 15.3 pts
FOCUS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.76% | +0.14 pp |
| Delinquency Rate | 0.47% | -0.49 pp |
| Return on Assets | 1.85% | +1.19 pp |
| Member Growth | -2.39% | - |
| Loan-to-Share Ratio | 90.23% | +27.63 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
FOCUS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $61.3M | - |
| 2025Q4 | $60.5M | 6,491 |
| 2024Q4 | $59.4M | 6,650 |
| 2023Q4 | $56.7M | 6,754 |
Credit Union Details
- Charter Number
- 66451
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- Menomonee Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
FOCUS operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Menomonee Falls Branch (Main Office) | Menomonee Falls, WI |
| Wauwatosa Branch | Wauwatosa, 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
Similar total assets
Using this data
- FOCUS ranks #1,083 of 4,374 nationally on financial health and #38 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MADISON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MADISON
Frequently Asked Questions
Is FOCUS financially healthy?
On its 2025Q4 NCUA 5300 filing, FOCUS scores 90/100 (Excellent), with a 13.76% net worth ratio and 0.47% of loans delinquent. It ranks #1,083 of 4,374 nationally on health and #38 of 100 in Wisconsin.
How does FOCUS compare to other credit unions?
FOCUS scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (90.23% vs 62.60%).
How can I join FOCUS?
Membership eligibility for FOCUS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FOCUS directly for current membership requirements and application steps.
Is my money safe at FOCUS?
FOCUS 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. FOCUS's net worth ratio of 13.76% 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.