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.
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)100
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
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.
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 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.
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.