State credit union · Fond du Lac, Wisconsin · NCUA charter #67176
Fond Du Lac
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $81.1M
- Total assets
- 5,846
- Members
- 13.3%
- Net-worth ratio
Fond Du Lac scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $81.1M; members 5,846; net-worth ratio 13.33%; health rank #1,945 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,945 of 4,374 health · 2025Q4Fond Du Lac · health 85/100 · $81.1M · 2025Q4
- CAMELS 85/100
- HEALTH 13.3%
- NW 0.30%
- DELQ 1.10%
- ROA $81.1M
- ASSETS 5,846
- MEM #1,945/4,374
- RANK Postel Family
- PHOTO 67176
Call Report peers
Fond Du Lac in the assets neighbourhood
Fond Du Lac's $81.1M assets sit next to Postel Family ($81.1M) 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.
Fond Du Lac 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
85 Top 46% higher than 54% 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
Fond Du Lac - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67176, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Fond Du Lac
- Largest favorable gap: Delinquency Rate at 0.30% vs peer 0.96% (-0.67 pp).
- Loan-to-Share Ratio trails the peer set - 61.58% here, 62.60% peer average (-1.02 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for Fond Du Lac
- In Wisconsin, health place is #70 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #55 of 100 inside Wisconsin ($81.1M reported).
- Wisconsin membership ordinal: #55 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.
Fond Du Lac Call Report trajectory
Fond Du Lac: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $81.1M (2025Q4) to $84.5M (2026Q1).
- Net-worth ratio shifted -0.21 pp (13.54% → 13.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 13.4 pts
Fond Du Lac vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.33% | -0.29 pp |
| Delinquency Rate | 0.30% | -0.67 pp |
| Return on Assets | 1.10% | +0.44 pp |
| Member Growth | -4.12% | - |
| Loan-to-Share Ratio | 61.58% | -1.02 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).
Fond Du Lac filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $84.5M | - |
| 2025Q4 | $81.1M | 5,846 |
| 2024Q4 | $80.5M | 6,097 |
| 2023Q4 | $79.3M | 6,194 |
Credit Union Details
- Charter Number
- 67176
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- Fond du Lac
- Data Quarter
- 2025Q4
Branch Location
Fond Du Lac operates a single office in Fond du Lac, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pioneer Rd (Main Office) | Fond du Lac, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Fond Du Lac, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($81.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Fond Du Lac ranks #1,945 of 4,374 nationally on financial health and #70 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Forward Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Forward Financial
- 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 Fond Du Lac financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Fond Du Lac's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,945 of 4,374; by total assets it ranks #2,003 of 4,374 nationally (same basis as /rankings/largest); and #55 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.33% net worth ratio and 0.30% delinquency rate are the key drivers.
How does Fond Du Lac compare to other credit unions?
Five weighted metrics from NCUA filings produce Fond Du Lac's 85/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Fond Du Lac?
Membership eligibility for Fond Du Lac depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fond Du Lac directly for current membership requirements and application steps.
Is my money safe at Fond Du Lac?
Federal credit unions like Fond Du Lac 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. Fond Du Lac's net worth ratio of 13.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fond Du Lac offer compared to banks?
Credit unions like Fond Du Lac 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 Fond Du Lac 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.