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.
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NCUA 5300 Call Report Masthead
#3,344 of 4,374 health · 2025Q4LAKEWOOD · health 74/100 · $14.7M · 2025Q4
Call Report peers
LAKEWOOD in the assets neighbourhood
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LAKEWOOD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LAKEWOOD sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
LAKEWOOD in Wisconsin
- Wisconsin health ordinal: #90 of 100.
- Wisconsin assets place: #84 of 100.
- Member book place in Wisconsin: #85 of 100.
- One place up in Wisconsin, 1st Class Express (#89) ties at 74/100; one place down, M.E. Employees (#91) scores 72/100, 2 points lower.
How LAKEWOOD's 5300 filing moved
LAKEWOOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $14.7M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted -0.57 pp (12.15% → 11.58%).
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
LAKEWOOD gives up 26 points in total. Return on Assets costs the most, 14.7 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is LAKEWOOD financially healthy?
On its 2025Q4 NCUA 5300 filing, LAKEWOOD scores 74/100 (Very Good), with a 11.58% net worth ratio and 0.96% of loans delinquent. It ranks #3,344 of 4,374 nationally on health and #90 of 100 in Wisconsin.
How does LAKEWOOD compare to other credit unions?
LAKEWOOD scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.91% vs 59.80%). Its widest shortfall is net worth ratio (11.58% vs 14.86%).
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?
LAKEWOOD is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.