State credit union · Manitowoc, Wisconsin · NCUA charter #66476
Holy Family Memorial
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $18.9M
- Total assets
- 1,313
- Members
- 11.1%
- Net-worth ratio
Holy Family Memorial scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.9M; members 1,313; net-worth ratio 11.12%; health rank #1,292 of 4,374; healthier than 69th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,292 of 4,374 health · 2025Q4Holy Family Memorial · health 89/100 · $18.9M · 2025Q4
- PHOTO 89/100
- BOOK 11.1%
- CHARTER 0.00%
- NCUSIF 0.72%
- CAMELS $18.9M
- HEALTH 1,313
- NW #1,292/4,374
- DELQ CAL-ED
- ROA 66476
Call Report peers
Holy Family Memorial in the assets neighbourhood
Holy Family Memorial's $18.9M assets sit next to CAL-ED ($18.9M) 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.
Holy Family Memorial 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
89 Top 31% higher than 69% 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
Holy Family Memorial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66476: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Holy Family Memorial diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +5.72 pp (65.52% vs 59.80%).
- Largest lag: Net Worth Ratio at 11.12% vs peer 14.86% (-3.74 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Holy Family Memorial: in-state Call Report ranks
- In Wisconsin, health place is #51 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #81 of 100.
- Member book place in Wisconsin: #81 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.
Holy Family Memorial: 2025Q4 → 2026Q1
Holy Family Memorial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $18.9M (2025Q4) to $19.2M (2026Q1).
- Net-worth ratio shifted -0.24 pp (11.36% → 11.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.12% | -3.74 pp |
| Delinquency Rate | 0.00% | -1.14 pp |
| Return on Assets | 0.72% | +0.01 pp |
| Member Growth | -2.38% | - |
| Loan-to-Share Ratio | 65.52% | +5.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.2M | - |
| 2025Q4 | $18.9M | 1,313 |
| 2024Q4 | $17.7M | 1,345 |
| 2023Q4 | $16.8M | 1,496 |
Credit Union Details
- Charter Number
- 66476
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- Manitowoc
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Holy Family Memorial.
| Office | City |
|---|---|
| Holy Family Memorial Credit Union (Main Office) | Manitowoc, WI |
| United One Credit Union | Manitowoc, WI |
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.
Holy Family Memorial nationwide neighbourhoods
Holy Family Memorial's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Holy Family Memorial ranks #1,292 of 4,374 nationally on financial health and #51 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- M.E. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with M.E. Employees
- 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 Holy Family Memorial financially healthy?
A 11.12% net worth ratio and a 0.00% delinquency rate feed into Holy Family Memorial's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,292 of 4,374; by total assets it ranks #3,184 of 4,374 nationally (same basis as /rankings/largest); and #81 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Holy Family Memorial compare to other credit unions?
Five weighted metrics from NCUA filings produce Holy Family Memorial's 89/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Holy Family Memorial?
Membership eligibility for Holy Family Memorial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Holy Family Memorial directly for current membership requirements and application steps.
Is my money safe at Holy Family Memorial?
Federal credit unions like Holy Family Memorial 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. Holy Family Memorial's net worth ratio of 11.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Holy Family Memorial offer compared to banks?
Credit unions like Holy Family Memorial 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 Holy Family Memorial 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.