State credit union · La Crosse, Wisconsin · NCUA charter #66529
Governmental Employees
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $116.9M
- Total assets
- 6,656
- Members
- 9.4%
- Net-worth ratio
Governmental Employees scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $116.9M; members 6,656; net-worth ratio 9.44%; health rank #1,005 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,005 of 4,374 health · 2025Q4Governmental Employees · health 91/100 · $116.9M · 2025Q4
- CAMELS 91/100
- HEALTH 9.4%
- NW 0.61%
- DELQ 0.42%
- ROA $116.9M
- ASSETS 6,656
- MEM #1,005/4,374
- RANK COMMUNITY
- PHOTO 66529
Call Report peers
Governmental Employees in the assets neighbourhood
Governmental Employees's $116.9M assets sit next to COMMUNITY ($116.9M) 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.
Governmental Employees 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
91 Top 23% higher than 77% 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
Governmental Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66529, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Governmental Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 89.24% vs peer 72.20% (+17.04 pp).
- Net Worth Ratio trails the peer set - 9.44% here, 12.11% peer average (-2.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Governmental Employees in Wisconsin
- Wisconsin health ordinal: #37 of 100.
- By total assets, Governmental Employees is #47 of 100 in Wisconsin.
- Wisconsin membership ordinal: #53 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.
Governmental Employees Call Report trajectory
Governmental Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $116.9M (2025Q4) to $119.3M (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.45% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 23.9 pts
- Return on Assets 13.8 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Governmental Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -2.67 pp |
| Delinquency Rate | 0.61% | -0.29 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | 0.59% | - |
| Loan-to-Share Ratio | 89.24% | +17.04 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 - Governmental Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $119.3M | - |
| 2025Q4 | $116.9M | 6,656 |
| 2024Q4 | $111.4M | 6,617 |
| 2023Q4 | $106.8M | 6,685 |
Credit Union Details
- Charter Number
- 66529
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- La Crosse
- Data Quarter
- 2025Q4
Branch Locations (4)
Governmental Employees operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Governmental Employee Credit Union (Main Office) | La Crosse, WI |
| WCUSSC | Greenfield, WI |
| CCU | La Crosse, WI |
| Enhanced Software Products | Spokane Valley, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Governmental Employees's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($116.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Governmental Employees ranks #1,005 of 4,374 nationally on financial health and #37 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tomah Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tomah Area
- 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 Governmental Employees financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Governmental Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,005 of 4,374; by total assets it ranks #1,697 of 4,374 nationally (same basis as /rankings/largest); and #47 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.44% net worth ratio and 0.61% delinquency rate are the key drivers.
How does Governmental Employees compare to other credit unions?
Governmental Employees scores 91/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Governmental Employees?
Membership eligibility for Governmental Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Governmental Employees directly for current membership requirements and application steps.
Is my money safe at Governmental Employees?
Federal credit unions like Governmental Employees 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. Governmental Employees's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Governmental Employees offer compared to banks?
Credit unions like Governmental Employees 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 Governmental Employees 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.