State credit union · APPLETON, Wisconsin · NCUA charter #66652
PROSPERA
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $374.5M
- Total assets
- 21,439
- Members
- 9.0%
- Net-worth ratio
PROSPERA scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $374.5M; members 21,439; net-worth ratio 8.99%; health rank #2,343 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,343 of 4,374 health · 2025Q4PROSPERA · health 83/100 · $374.5M · 2025Q4
- NW 83/100
- DELQ 9.0%
- ROA 0.31%
- ASSETS 0.15%
- MEM $374.5M
- RANK 21,439
- PHOTO #2,343/4,374
- BOOK PREMIER
- CHARTER 66652
PROSPERA in the assets neighbourhood
PROSPERA's $374.5M assets sit next to PREMIER ($374.4M) 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.
PROSPERA 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
83 46th percentile higher than 46% 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
PROSPERA - Share Insurance Coverage
Charter #66652's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
PROSPERA: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 96.14% here, 72.20% peer average (+23.94 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.12 pp (8.99% 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.
Where PROSPERA sits in Wisconsin
- In Wisconsin, health place is #74 of 100 on the same NCUA-ratio sort used nationally.
- Assets rank #27 of 100 inside Wisconsin ($374.5M reported).
- Membership ranks #26 of 100 among Wisconsin CUs with a reported count (21,439 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for PROSPERA
PROSPERA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $374.5M (2025Q4) to $378.8M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.04% → 8.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.7 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 12.5 pts
Call Report ratios for PROSPERA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.99% | -3.12 pp |
| Delinquency Rate | 0.31% | -0.58 pp |
| Return on Assets | 0.15% | -0.48 pp |
| Member Growth | -0.38% | - |
| Loan-to-Share Ratio | 96.14% | +23.94 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).
PROSPERA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $378.8M | - |
| 2025Q4 | $374.5M | 21,439 |
| 2024Q4 | $364.8M | 21,521 |
| 2023Q4 | $376.7M | 23,924 |
Credit Union Details
- Charter Number
- 66652
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- APPLETON
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for PROSPERA, spread across 5 cities.
| Office | City |
|---|---|
| Corporate (Main Office) | Appleton, WI |
| Ballard Branch | Appleton, WI |
| Darboy Branch | Appleton, WI |
| Grand Chute Branch | Grand Chute, WI |
| Menasha Branch | Menasha, WI |
| Neenah Branch | Neenah, WI |
| Oshkosh Branch | Oshkosh, 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.
PROSPERA nationwide neighbourhoods
Two NCUA Call Report peer sets for PROSPERA, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($374.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- PROSPERA ranks #2,343 of 4,374 nationally on financial health and #74 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Park City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Park City
- 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 PROSPERA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, PROSPERA carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,343 of 4,374; by total assets it ranks #907 of 4,374 nationally (same basis as /rankings/largest); and #27 of 100 within Wisconsin. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.99% net worth ratio and a 0.31% delinquency rate.
How does PROSPERA compare to other credit unions?
PROSPERA scores 83/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 PROSPERA?
Membership eligibility for PROSPERA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PROSPERA directly for current membership requirements and application steps.
Is my money safe at PROSPERA?
Federal credit unions like PROSPERA 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. PROSPERA's net worth ratio of 8.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PROSPERA offer compared to banks?
Credit unions like PROSPERA 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 PROSPERA 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.