State credit union · Oshkosh, Wisconsin · NCUA charter #66779
Oshkosh Community
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $20.0M
- Total assets
- 3,125
- Members
- 10.9%
- Net-worth ratio
Oshkosh Community scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.0M; members 3,125; net-worth ratio 10.95%; health rank #114 of 4,374; healthier than 97th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#114 of 4,374 health · 2025Q4Oshkosh Community · health 98/100 · $20.0M · 2025Q4
Call Report peers
Oshkosh Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Oshkosh Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Oshkosh Community sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Oshkosh Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 87.57% here, 59.80% peer average (+27.77 pp).
- Net Worth Ratio trails the peer set - 10.95% here, 14.86% peer average (-3.91 pp).
Wisconsin standing for Oshkosh Community
- In Wisconsin, health place is #5 of 100 on the same NCUA-ratio sort used nationally.
- By total assets, Oshkosh Community is #80 of 100 in Wisconsin.
- Wisconsin membership ordinal: #67 of 100.
- One place up in Wisconsin, Community First (#4) ties at 98/100; one place down, Sheboygan Area (#6) scores 97/100, 1 point lower.
Oshkosh Community Call Report trajectory
Oshkosh Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $20.0M (2025Q4) to $20.4M (2026Q1).
- Net-worth ratio shifted -0.33 pp (11.28% → 10.95%).
At 10.95%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Oshkosh Community gives up 2 points in total. Delinquency Rate costs the most, 2 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.95% | -3.91 pp |
| Delinquency Rate | 0.70% | -0.44 pp |
| Return on Assets | 1.02% | +0.32 pp |
| Member Growth | 27.14% | - |
| Loan-to-Share Ratio | 87.57% | +27.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Oshkosh Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.4M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Oshkosh Community.
| Office | City |
|---|---|
| Oshkosh Community Credit Union (Main Office) | Oshkosh, WI |
| Ripple Credit Union | Oshkosh, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Oshkosh Community
Similar total assets
Similar health score
Using this data
- Oshkosh Community ranks #114 of 4,374 nationally on financial health and #5 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dairyland Power is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dairyland Power
Frequently Asked Questions
Is Oshkosh Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Oshkosh Community scores 98/100 (Excellent), with a 10.95% net worth ratio and 0.70% of loans delinquent. It ranks #114 of 4,374 nationally on health and #5 of 100 in Wisconsin.
How does Oshkosh Community compare to other credit unions?
Oshkosh Community scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (87.57% vs 59.80%). Its widest shortfall is net worth ratio (10.95% vs 14.86%).
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?
Oshkosh Community 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. Oshkosh Community's net worth ratio of 10.95% 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.