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
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
The busiest band is 85-89 (858 credit unions); PROSPERA sits in 80-84 with 767 others.
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: 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%).
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).
- One place up in Wisconsin, Glacier Hills (#73) scores 84/100, 1 point higher; one place down, Air Tech (#75) scores 82/100, 1 point lower.
Quarter path for PROSPERA
PROSPERA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $374.5M (2025Q4) to $378.8M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.04% → 8.99%).
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
PROSPERA gives up 17 points in total. Member Growth costs the most, 6.7 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is PROSPERA financially healthy?
On its 2025Q4 NCUA 5300 filing, PROSPERA scores 83/100 (Excellent), with a 8.99% net worth ratio and 0.31% of loans delinquent. It ranks #2,343 of 4,374 nationally on health and #74 of 100 in Wisconsin.
How does PROSPERA compare to other credit unions?
PROSPERA scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.14% vs 72.20%). Its widest shortfall is net worth ratio (8.99% vs 12.11%).
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?
PROSPERA 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. PROSPERA's net worth ratio of 8.99% 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.