State credit union · Sheboygan, Wisconsin · NCUA charter #66616
Sheboygan Area
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $87.1M
- Total assets
- 6,868
- Members
- 15.2%
- Net-worth ratio
Sheboygan Area scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.1M; members 6,868; net-worth ratio 15.22%; health rank #152 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#152 of 4,374 health · 2025Q4Sheboygan Area · health 97/100 · $87.1M · 2025Q4
- NW 97/100
- DELQ 15.2%
- ROA 0.42%
- ASSETS 1.76%
- MEM $87.1M
- RANK 6,868
- PHOTO #152/4,374
- BOOK RADIUS
- CHARTER 66616
Call Report peers
Sheboygan Area in the assets neighbourhood
Sheboygan Area's $87.1M assets sit next to RADIUS ($87.0M) 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.
Sheboygan Area 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
97 Top 5% higher than 95% 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
Sheboygan Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66616. See our deposit-insurance coverage note.
Sheboygan Area vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +8.63 pp (71.23% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Sheboygan Area sits in Wisconsin
- In Wisconsin, health place is #6 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #52 of 100.
- Member book place in Wisconsin: #50 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.
How Sheboygan Area's 5300 filing moved
Sheboygan Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $87.1M (2025Q4) to $90.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (15.35% → 15.22%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.4 pts
Sheboygan Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.22% | +1.60 pp |
| Delinquency Rate | 0.42% | -0.55 pp |
| Return on Assets | 1.76% | +1.10 pp |
| Member Growth | 2.16% | - |
| Loan-to-Share Ratio | 71.23% | +8.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $90.5M | - |
| 2025Q4 | $87.1M | 6,868 |
| 2024Q4 | $81.8M | 6,723 |
| 2023Q4 | $79.4M | 6,586 |
Credit Union Details
- Charter Number
- 66616
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Wisconsin
- City
- Sheboygan
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Sheboygan Area, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Sheboygan Area Credit Union (Main Office) | Sheboygan, WI |
| Bradford Scott Data Corporation | Fort Wayne, IN |
| Sheboygan Area Credit Union | Sheboygan, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Sheboygan Area
Sheboygan Area's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($87.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Sheboygan Area ranks #152 of 4,374 nationally on financial health and #6 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TAYLOR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TAYLOR
- 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 Sheboygan Area financially healthy?
Sheboygan Area has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #152 of 4,374; by total assets it ranks #1,945 of 4,374 nationally (same basis as /rankings/largest); and #52 of 100 within Wisconsin. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.22% and delinquency rate of 0.42%.
How does Sheboygan Area compare to other credit unions?
97/100 is Sheboygan Area's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Sheboygan Area?
Membership eligibility for Sheboygan Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sheboygan Area directly for current membership requirements and application steps.
Is my money safe at Sheboygan Area?
Federal credit unions like Sheboygan Area 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. Sheboygan Area's net worth ratio of 15.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sheboygan Area offer compared to banks?
Credit unions like Sheboygan Area 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 Sheboygan Area 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.