State credit union · FORT ATKINSON, Wisconsin · NCUA charter #67184
Fort Community
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $405.9M
- Total assets
- 21,687
- Members
- 12.6%
- Net-worth ratio
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.
Fort Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)51
- Earnings (ROA)91
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.60%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.60% | 30% |
| Delinquency Rate | 1.97% | 25% |
| Return on Assets | 0.41% | 15% |
| Member Growth | 0.05% | 15% |
| Loan-to-Share Ratio | 82.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Fort Community
Headquartered in FORT ATKINSON, Wisconsin, Fort Community is a state credit union with 21,687 members, $405.9M in total assets, and $273.5M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 80/100 (Excellent), driven in part by a net worth ratio of 12.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67184 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 1.97% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Meanwhile a 82.93% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.41% on net income of $1.7M 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 0.05%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match 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 Fort Community financially healthy?
A 12.60% 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. 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 12.60% 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.
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.