State credit union · FORT ATKINSON, Wisconsin · NCUA charter #67184
Fort Community
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $405.9M
- Total assets
- 21,687
- Members
- 12.3%
- Net-worth ratio
Fort Community scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $405.9M; members 21,687; net-worth ratio 12.30%; health rank #2,738 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,738 of 4,374 health · 2025Q4Fort Community · health 80/100 · $405.9M · 2025Q4
- CAMELS 80/100
- HEALTH 12.3%
- NW 1.97%
- DELQ 0.41%
- ROA $405.9M
- ASSETS 21,687
- MEM #2,738/4,374
- RANK HONOLULU
- PHOTO 67184
Call Report peers
Fort Community in the assets neighbourhood
Fort Community's $405.9M assets sit next to HONOLULU ($405.8M) 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.
Fort Community 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
80 36th percentile higher than 36% 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
Fort Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67184 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 Fort Community
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +10.73 pp (82.93% vs 72.20%).
- Delinquency Rate trails the peer set - 1.97% here, 0.89% peer average (+1.08 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for Fort Community
- Health composite ranks #83 of 100 among scored Wisconsin credit unions.
- Assets rank #24 of 100 inside Wisconsin ($405.9M reported).
- Member book place in Wisconsin: #25 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 Fort Community
Fort Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $405.9M (2025Q4) to $419.3M (2026Q1).
- Net-worth ratio shifted -0.36 pp (12.66% → 12.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.7 pts
- Return on Assets 13.6 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Fort Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.30% | +0.19 pp |
| Delinquency Rate | 1.97% | +1.08 pp |
| Return on Assets | 0.41% | -0.21 pp |
| Member Growth | 0.05% | - |
| Loan-to-Share Ratio | 82.93% | +10.73 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Fort Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $419.3M | - |
| 2025Q4 | $405.9M | 21,687 |
| 2024Q4 | $384.2M | 21,677 |
| 2023Q4 | $361.9M | 22,034 |
Credit Union Details
- Charter Number
- 67184
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- FORT ATKINSON
- Data Quarter
- 2025Q4
Branch Locations (6)
Fort Community operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Fort Community Credit Union (Main Office) | Fort Atkinson, WI |
| Fort Community-SS Branch | Fort Atkinson, WI |
| FCCU Mortgage Store | Fort Atkinson, WI |
| Jefferson Office | Jefferson, WI |
| Watertown Branch | Watertown, WI |
| Fort Community-WW Branch | Whitewater, 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.
Nationwide credit unions with similar profiles
Fort Community's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($405.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Fort Community ranks #2,738 of 4,374 nationally on financial health and #83 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Community Cu of Beloit is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Community Cu of Beloit
- 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 Fort Community financially healthy?
A 12.30% net worth ratio and a 1.97% delinquency rate feed into Fort Community's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,738 of 4,374; by total assets it ranks #859 of 4,374 nationally (same basis as /rankings/largest); and #24 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fort Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Fort Community's 80/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 Fort Community?
Membership eligibility for Fort Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fort Community directly for current membership requirements and application steps.
Is my money safe at Fort Community?
Federal credit unions like Fort Community 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. Fort Community's net worth ratio of 12.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Community offer compared to banks?
Credit unions like Fort Community 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 Fort Community 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.