State credit union · Rib Lake, Wisconsin · NCUA charter #66999
LAKEWOOD
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $14.7M
- Total assets
- 1,117
- Members
- 11.6%
- Net-worth ratio
LAKEWOOD scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.7M; members 1,117; net-worth ratio 11.58%; health rank #3,344 of 4,374; healthier than 23rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,344 of 4,374 health · 2025Q4LAKEWOOD · health 74/100 · $14.7M · 2025Q4
- NW 74/100
- DELQ 11.6%
- ROA 0.96%
- ASSETS -0.47%
- MEM $14.7M
- RANK 1,117
- PHOTO #3,344/4,374
- BOOK Usne Penitentiary Employees
- CHARTER 66999
Call Report peers
LAKEWOOD in the assets neighbourhood
LAKEWOOD's $14.7M assets sit next to Usne Penitentiary Employees ($14.6M) 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.
LAKEWOOD 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
74 23rd percentile higher than 23% 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
LAKEWOOD - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66999, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for LAKEWOOD
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +18.11 pp (77.91% vs 59.80%).
- Net Worth Ratio trails the peer set - 11.58% here, 14.86% peer average (-3.28 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LAKEWOOD in Wisconsin
- Wisconsin health ordinal: #90 of 100.
- Wisconsin assets place: #84 of 100.
- Member book place in Wisconsin: #85 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.
How LAKEWOOD's 5300 filing moved
LAKEWOOD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $14.7M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted -0.57 pp (12.15% → 11.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 0.3 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.6 pts
LAKEWOOD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.58% | -3.28 pp |
| Delinquency Rate | 0.96% | -0.19 pp |
| Return on Assets | -0.47% | -1.18 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 77.91% | +18.11 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).
Call Report history - LAKEWOOD
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.9M | - |
| 2025Q4 | $14.7M | 1,117 |
| 2024Q4 | $13.3M | 1,119 |
| 2023Q4 | $13.6M | 1,163 |
Credit Union Details
- Charter Number
- 66999
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- Rib Lake
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, LAKEWOOD runs one office.
| Office | City |
|---|---|
| Lakewood Credit Union (Main Office) | Rib Lake, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
More federally-insured credit unions based in Wisconsin, ordered by peer group match and asset size.
Other-state peers near LAKEWOOD
Two NCUA Call Report peer sets for LAKEWOOD, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- LAKEWOOD ranks #3,344 of 4,374 nationally on financial health and #90 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wisconsin Medical is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wisconsin Medical
- 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 LAKEWOOD financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - LAKEWOOD'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 #3,344 of 4,374; by total assets it ranks #3,334 of 4,374 nationally (same basis as /rankings/largest); and #84 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.58% net worth ratio and 0.96% delinquency rate are the key drivers.
How does LAKEWOOD compare to other credit unions?
Five weighted metrics from NCUA filings produce LAKEWOOD's 74/100 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 LAKEWOOD?
Membership eligibility for LAKEWOOD depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LAKEWOOD directly for current membership requirements and application steps.
Is my money safe at LAKEWOOD?
Federal credit unions like LAKEWOOD 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. LAKEWOOD's net worth ratio of 11.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LAKEWOOD offer compared to banks?
Credit unions like LAKEWOOD 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 LAKEWOOD 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.