State credit union · Oshkosh, Wisconsin · NCUA charter #66779

Oshkosh Community

Health score 98/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

98
Health / 100
$20.0M
Total assets
3,125
Members
11.3%
Net-worth ratio

Oshkosh Community - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66779. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Oshkosh Community Share insurance under NCUSIF covers up to $250,000 per share owner. Oshkosh Community holds approximately $17.6M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.3% · $17.6M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Oshkosh Community - Five Health Pillars

This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.

  • Capital (net worth ratio) 11.28% 30% weight
  • Asset quality (delinquency) 0.70% 25% weight
  • Earnings (ROA) 1.02% 15% weight
  • Member growth 27.14% 15% weight
  • Liquidity (loan-to-share) 88% 15% weight

Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 75.2%

At 11.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$20.0M
Total Assets
3,125
Members
$15.4M
Total Loans
$17.6M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 11.28% 30%
Delinquency Rate 0.70% 25%
Return on Assets 1.02% 15%
Member Growth 27.14% 15%
Loan-to-Share Ratio 87.57% 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 $20.0M 3,125
2024Q4 $21.6M 2,458
2023Q4 $20.8M 2,649

Credit Union Details

Charter Number
66779
Type
State
Field of Membership
Other
Peer Group
$10M–$50M
State
Wisconsin
City
Oshkosh
Data Quarter
2025Q4

What This Data Says About Oshkosh Community

Headquartered in Oshkosh, Wisconsin, Oshkosh Community is a state credit union with 3,125 members, $20.0M in total assets, and $15.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 98/100 (Excellent), driven in part by a net worth ratio of 11.28% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66779 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.

Deposits deployed into lending sit at a 87.57% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.70% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.02% on net income of $205K 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 27.14%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

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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 Oshkosh Community financially healthy?

Oshkosh Community has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.28% and delinquency rate of 0.70%.

How does Oshkosh Community compare to other credit unions?

98/100 is Oshkosh Community's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Oshkosh Community?

Membership eligibility for Oshkosh Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Oshkosh Community directly for current membership requirements and application steps.

Is my money safe at Oshkosh Community?

Federal credit unions like Oshkosh 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. Oshkosh Community's net worth ratio of 11.28% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Oshkosh Community offer compared to banks?

Credit unions like Oshkosh 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 Oshkosh 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.