State credit union · Manitowoc, Wisconsin · NCUA charter #66476
Holy Family Memorial
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $18.9M
- Total assets
- 1,313
- Members
- 11.4%
- Net-worth ratio
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.
Holy Family Memorial - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth31
- Liquidity (loan-to-share)93
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.36% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.36% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.72% | 15% |
| Member Growth | -2.38% | 15% |
| Loan-to-Share Ratio | 65.52% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Holy Family Memorial
Headquartered in Manitowoc, Wisconsin, Holy Family Memorial is a state credit union with 1,313 members, $18.9M in total assets, and $10.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 89/100 (Excellent), driven in part by a net worth ratio of 11.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66476 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 65.52% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.72% on net income of $136K 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 -2.38%. 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 Holy Family Memorial financially healthy?
A 11.36% 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. 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 11.36% 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.
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.