State credit union · Park Falls, Wisconsin · NCUA charter #67240
Northwoods Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $92.7M
- Total assets
- 8,024
- Members
- 10.7%
- Net-worth ratio
Northwoods Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.7M; members 8,024; net-worth ratio 10.65%; health rank #2,453 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,453 of 4,374 health · 2025Q4Northwoods Community · health 82/100 · $92.7M · 2025Q4
- NW 82/100
- DELQ 10.7%
- ROA 0.82%
- ASSETS 0.70%
- MEM $92.7M
- RANK 8,024
- PHOTO #2,453/4,374
- BOOK Good Neighbors
- CHARTER 67240
Call Report peers
Northwoods Community in the assets neighbourhood
Northwoods Community's $92.7M assets sit next to Good Neighbors ($92.7M) 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.
Northwoods Community 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
82 43rd percentile higher than 43% 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
Northwoods Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67240, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Northwoods Community diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.15 pp (0.82% vs 0.96%).
- Net Worth Ratio trails the peer set - 10.65% here, 13.62% peer average (-2.97 pp).
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 Northwoods Community
- Health composite ranks #78 of 100 among scored Wisconsin credit unions.
- By total assets, Northwoods Community is #50 of 100 in Wisconsin.
- Wisconsin membership ordinal: #42 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.
Northwoods Community Call Report trajectory
Northwoods Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $92.7M (2025Q4) to $93.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (10.69% → 10.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 2.0 pts
- Loan-to-Share Ratio 13.2 pts
Northwoods Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.65% | -2.97 pp |
| Delinquency Rate | 0.82% | -0.15 pp |
| Return on Assets | 0.70% | +0.04 pp |
| Member Growth | -3.90% | - |
| Loan-to-Share Ratio | 59.85% | -2.75 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).
Call Report history - Northwoods Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $93.7M | - |
| 2025Q4 | $92.7M | 8,024 |
| 2024Q4 | $94.5M | 8,350 |
| 2023Q4 | $89.1M | 8,537 |
Credit Union Details
- Charter Number
- 67240
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- Park Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Northwoods Community, spread across 2 cities.
| Office | City |
|---|---|
| Northwoods Community Credit Union (Main Office) | Park Falls, WI |
| Northwoods Community Credit Union | ASHLAND, 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.
Northwoods Community nationwide neighbourhoods
Northwoods Community's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Northwoods Community ranks #2,453 of 4,374 nationally on financial health and #78 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Marshfield Medical Center is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Marshfield Medical Center
- 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 Northwoods Community financially healthy?
Northwoods Community has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,453 of 4,374; by total assets it ranks #1,890 of 4,374 nationally (same basis as /rankings/largest); and #50 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.65% and delinquency rate of 0.82%.
How does Northwoods Community compare to other credit unions?
On PlainCU's health composite, Northwoods Community lands at 82/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Northwoods Community?
Membership eligibility for Northwoods Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northwoods Community directly for current membership requirements and application steps.
Is my money safe at Northwoods Community?
Federal credit unions like Northwoods Community 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. Northwoods Community's net worth ratio of 10.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwoods Community offer compared to banks?
Credit unions like Northwoods Community 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 Northwoods Community 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.