State credit union · Stevens Point, Wisconsin · NCUA charter #66439
Sentry
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $162.0M
- Total assets
- 7,099
- Members
- 12.8%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)71
- Member growth77
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.83% | 30% |
| Delinquency Rate | 0.46% | 25% |
| Return on Assets | 0.21% | 15% |
| Member Growth | 2.16% | 15% |
| Loan-to-Share Ratio | 77.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Sentry
Sentry is a state credit union headquartered in Stevens Point, Wisconsin, serving 7,099 members with $162.0M in total assets and $109.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 12.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #66439 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.46% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 77.90% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.21% on net income of $345K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.16%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.83% 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 12.83% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.