State credit union · WEST BEND, Wisconsin · NCUA charter #67238
Glacier Hills
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $275.0M
- Total assets
- 16,977
- Members
- 10.5%
- Net-worth ratio
Glacier Hills - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67238: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Glacier Hills - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth9
- Liquidity (loan-to-share)100
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.54% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 0.99% | 15% |
| Member Growth | -4.29% | 15% |
| Loan-to-Share Ratio | 81.83% | 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 | $275.0M | 16,977 |
| 2024Q4 | $259.7M | 17,738 |
| 2023Q4 | $236.5M | 17,312 |
Credit Union Details
- Charter Number
- 67238
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- WEST BEND
- Data Quarter
- 2025Q4
What This Data Says About Glacier Hills
Glacier Hills is a state credit union headquartered in WEST BEND, Wisconsin, serving 16,977 members with $275.0M in total assets and $198.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 10.54% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67238 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.69% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 81.83% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.99% on net income of $2.7M 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 -4.29%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Glacier Hills financially healthy?
A 10.54% net worth ratio and a 0.69% delinquency rate feed into Glacier Hills's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Glacier Hills compare to other credit unions?
On PlainCU's health composite, Glacier Hills lands at 84/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Glacier Hills?
Membership eligibility for Glacier Hills depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Glacier Hills directly for current membership requirements and application steps.
Is my money safe at Glacier Hills?
Federal credit unions like Glacier Hills 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. Glacier Hills's net worth ratio of 10.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Glacier Hills offer compared to banks?
Credit unions like Glacier Hills 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 Glacier Hills 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.