State credit union · Appleton, Wisconsin · NCUA charter #66731
Fox Communities
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $3.27B
- Total assets
- 140,301
- Members
- 2.4%
- Net-worth ratio
Fox Communities - Share Insurance Coverage
Charter #66731's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Fox Communities - 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)20
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth97
- Liquidity (loan-to-share)67
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
2.37% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 2.37% | 30% |
| Delinquency Rate | 0.23% | 25% |
| Return on Assets | 0.75% | 15% |
| Member Growth | 4.65% | 15% |
| Loan-to-Share Ratio | 101.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $3.27B | 140,301 |
| 2024Q4 | $3.01B | 134,067 |
| 2023Q4 | $2.84B | 129,826 |
Credit Union Details
- Charter Number
- 66731
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- Appleton
- Data Quarter
- 2025Q4
What This Data Says About Fox Communities
140,301 members and $3.27B in total assets sit behind Fox Communities, a state credit union in Appleton, Wisconsin, which posts a health score of 71/100 (Very Good) on the five-factor composite, with $2.58B in outstanding loans as of Q4 2025 and a net worth ratio of 2.37% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #66731 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.23% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 101.19% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.75% on net income of $24.6M 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 4.65%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Fox Communities financially healthy?
A 2.37% net worth ratio and a 0.23% delinquency rate feed into Fox Communities's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fox Communities compare to other credit unions?
71/100 is Fox Communities's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fox Communities?
Membership eligibility for Fox Communities depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fox Communities directly for current membership requirements and application steps.
Is my money safe at Fox Communities?
Federal credit unions like Fox Communities 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. Fox Communities's net worth ratio of 2.37% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Fox Communities offer compared to banks?
Credit unions like Fox Communities 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 Fox Communities 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.