State credit union · Fond du Lac, Wisconsin · NCUA charter #67176
Fond Du Lac
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $81.1M
- Total assets
- 5,846
- Members
- 13.5%
- Net-worth ratio
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.
Fond Du Lac - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth11
- Liquidity (loan-to-share)87
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.54% | 30% |
| Delinquency Rate | 0.30% | 25% |
| Return on Assets | 1.10% | 15% |
| Member Growth | -4.12% | 15% |
| Loan-to-Share Ratio | 61.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fond Du Lac
The five-factor composite scores Fond Du Lac at 85/100 (Excellent), reflecting a net worth ratio of 13.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Fond du Lac, Wisconsin, reports 5,846 members, $81.1M in total assets, and $42.8M in outstanding loans as of Q4 2025 under charter #67176 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
0.30% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 61.58% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.10% on net income of $890K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.12%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.54% 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 13.54% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.