State credit union · Stevens Point, Wisconsin · NCUA charter #66439
SENTRY
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $162.0M
- Total assets
- 7,099
- Members
- 12.4%
- Net-worth ratio
SENTRY scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $162.0M; members 7,099; net-worth ratio 12.42%; health rank #776 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#776 of 4,374 health · 2025Q4SENTRY · health 92/100 · $162.0M · 2025Q4
- NCUSIF 92/100
- CAMELS 12.4%
- HEALTH 0.46%
- NW 0.21%
- DELQ $162.0M
- ROA 7,099
- ASSETS #776/4,374
- MEM CENT
- RANK 66439
Call Report peers
SENTRY in the assets neighbourhood
SENTRY's $162.0M assets sit next to CENT ($162.0M) 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.
SENTRY 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
92 Top 20% higher than 80% 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
SENTRY - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66439: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
SENTRY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.70 pp (77.90% vs 72.20%).
- Return on Assets trails the peer set - 0.21% here, 0.62% peer average (-0.41 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SENTRY sits in Wisconsin
- Wisconsin health ordinal: #30 of 100.
- Assets rank #39 of 100 inside Wisconsin ($162.0M reported).
- Wisconsin membership ordinal: #48 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.
Quarter path for SENTRY
SENTRY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $162.0M (2025Q4) to $170.1M (2026Q1).
- Net-worth ratio shifted -0.41 pp (12.83% → 12.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.42% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.7 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.42% | +0.31 pp |
| Delinquency Rate | 0.46% | -0.43 pp |
| Return on Assets | 0.21% | -0.41 pp |
| Member Growth | 2.16% | - |
| Loan-to-Share Ratio | 77.90% | +5.70 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).
SENTRY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $170.1M | - |
| 2025Q4 | $162.0M | 7,099 |
| 2024Q4 | $143.3M | 6,949 |
| 2023Q4 | $140.8M | 7,007 |
Credit Union Details
- Charter Number
- 66439
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Stevens Point
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SENTRY.
| Office | City |
|---|---|
| Sentry Credit Union (Main Office) | Stevens Point, 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 SENTRY
SENTRY's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($162.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- SENTRY ranks #776 of 4,374 nationally on financial health and #30 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Prime Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Prime Financial
- 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 SENTRY financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - SENTRY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #776 of 4,374; by total assets it ranks #1,440 of 4,374 nationally (same basis as /rankings/largest); and #39 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.42% net worth ratio and 0.46% delinquency rate are the key drivers.
How does SENTRY compare to other credit unions?
SENTRY scores 92/100 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 SENTRY?
Membership eligibility for SENTRY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SENTRY directly for current membership requirements and application steps.
Is my money safe at SENTRY?
Federal credit unions like SENTRY 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. SENTRY's net worth ratio of 12.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SENTRY offer compared to banks?
Credit unions like SENTRY 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 SENTRY 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.