State credit union · Merrill, Wisconsin · NCUA charter #67196
Park City
Health score 100/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 100
- Health / 100
- $381.3M
- Total assets
- 25,641
- Members
- 9.9%
- Net-worth ratio
Park City scores 100/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $381.3M; members 25,641; net-worth ratio 9.88%; health rank #35 of 4,374; healthier than 99th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#35 of 4,374 health · 2025Q4Park City · health 100/100 · $381.3M · 2025Q4
- CHARTER 100/100
- NCUSIF 9.9%
- CAMELS 0.42%
- HEALTH 0.80%
- NW $381.3M
- DELQ 25,641
- ROA #35/4,374
- ASSETS Signal Financial
- MEM 67196
Call Report peers
Park City in the assets neighbourhood
Park City's $381.3M assets sit next to Signal Financial ($381.3M) 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.
Park City 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
100 Top 1% higher than 99% 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
Park City - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67196 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Park City: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.77 pp (87.97% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.23 pp (9.88% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Park City: in-state Call Report ranks
- Health composite ranks #1 of 100 among scored Wisconsin credit unions.
- By total assets, Park City is #26 of 100 in Wisconsin.
- Member book place in Wisconsin: #22 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.
Park City: 2025Q4 → 2026Q1
Park City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $381.3M (2025Q4) to $390.0M (2026Q1).
- Net-worth ratio shifted -0.03 pp (9.91% → 9.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 100/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 100.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Park City vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.88% | -2.23 pp |
| Delinquency Rate | 0.42% | -0.47 pp |
| Return on Assets | 0.80% | +0.18 pp |
| Member Growth | 5.80% | - |
| Loan-to-Share Ratio | 87.97% | +15.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Park City filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $390.0M | - |
| 2025Q4 | $381.3M | 25,641 |
| 2024Q4 | $357.9M | 24,236 |
| 2023Q4 | $347.6M | 24,701 |
Credit Union Details
- Charter Number
- 67196
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Merrill
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Park City runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Merrill Main (Main Office) | Merrill, WI |
| Minocqua | Minocqua, WI |
| Rhinelander | Rhinelander, WI |
| Tomahawk | Tomahawk, WI |
| Wisconsin Rapids | Wisconsin Rapids, 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 Park City
Cross-state asset and health neighbours for Park City - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($381.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (100/100 here).
Using this data
- Park City ranks #35 of 4,374 nationally on financial health and #1 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNISON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNISON
- 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 Park City financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Park City carries a financial health score of 100/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #35 of 4,374; by total assets it ranks #897 of 4,374 nationally (same basis as /rankings/largest); and #26 of 100 within Wisconsin. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.88% net worth ratio and a 0.42% delinquency rate.
How does Park City compare to other credit unions?
PlainCU's health composite puts Park City at 100/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Park City?
Membership eligibility for Park City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Park City directly for current membership requirements and application steps.
Is my money safe at Park City?
Federal credit unions like Park City 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. Park City's net worth ratio of 9.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Park City offer compared to banks?
Credit unions like Park City 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 Park City 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.