State credit union · LA CROSSE, Wisconsin · NCUA charter #66477
GUNDERSEN
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $63.6M
- Total assets
- 3,649
- Members
- 12.6%
- Net-worth ratio
GUNDERSEN scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.6M; members 3,649; net-worth ratio 12.59%; health rank #494 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#494 of 4,374 health · 2025Q4GUNDERSEN · health 94/100 · $63.6M · 2025Q4
- ROA 94/100
- ASSETS 12.6%
- MEM 0.14%
- RANK 0.37%
- PHOTO $63.6M
- BOOK 3,649
- CHARTER #494/4,374
- NCUSIF Emerald Coast
- CAMELS 66477
Call Report peers
GUNDERSEN in the assets neighbourhood
GUNDERSEN's $63.6M assets sit next to Emerald Coast ($63.7M) 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.
GUNDERSEN 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
94 Top 13% higher than 87% 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
GUNDERSEN - Share Insurance Coverage
Charter #66477'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.
Where GUNDERSEN diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 88.85% here, 62.60% peer average (+26.25 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.03 pp (12.59% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for GUNDERSEN
- In Wisconsin, health place is #18 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #59 of 100.
- Member book place in Wisconsin: #62 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.
GUNDERSEN Call Report trajectory
GUNDERSEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $63.6M (2025Q4) to $65.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (12.61% → 12.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 15.0 pts
GUNDERSEN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.59% | -1.03 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 0.37% | -0.29 pp |
| Member Growth | 1.67% | - |
| Loan-to-Share Ratio | 88.85% | +26.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
GUNDERSEN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.0M | - |
| 2025Q4 | $63.6M | 3,649 |
| 2024Q4 | $60.8M | 3,589 |
| 2023Q4 | $60.5M | 3,511 |
Credit Union Details
- Charter Number
- 66477
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- LA CROSSE
- Data Quarter
- 2025Q4
Branch Location
GUNDERSEN operates a single office in La Crosse, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hospital (Main Office) | La Crosse, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
GUNDERSEN nationwide neighbourhoods
Cross-state asset and health neighbours for GUNDERSEN - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($63.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- GUNDERSEN ranks #494 of 4,374 nationally on financial health and #18 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVERGREEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVERGREEN
- 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 GUNDERSEN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GUNDERSEN carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #494 of 4,374; by total assets it ranks #2,214 of 4,374 nationally (same basis as /rankings/largest); and #59 of 100 within Wisconsin. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.59% net worth ratio and a 0.14% delinquency rate.
How does GUNDERSEN compare to other credit unions?
GUNDERSEN scores 94/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 GUNDERSEN?
Membership eligibility for GUNDERSEN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GUNDERSEN directly for current membership requirements and application steps.
Is my money safe at GUNDERSEN?
Federal credit unions like GUNDERSEN 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. GUNDERSEN's net worth ratio of 12.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GUNDERSEN offer compared to banks?
Credit unions like GUNDERSEN 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 GUNDERSEN 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.