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
Call Report peers
Sheboygan Area in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Sheboygan Area sits in 95-99 with 391 others.
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 vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +8.63 pp (71.23% vs 62.60%).
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.
- One place up in Wisconsin, Oshkosh Community (#5) scores 98/100, 1 point higher; one place down, ARCADIA (#7) ties at 97/100.
How Sheboygan Area's 5300 filing moved
Sheboygan Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $87.1M (2025Q4) to $90.5M (2026Q1).
- Net-worth ratio shifted -0.13 pp (15.35% → 15.22%).
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
Sheboygan Area gives up 3 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Sheboygan Area financially healthy?
Sheboygan Area has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #152 of 4,374 nationally on health and #6 of 100 in Wisconsin. Its net worth ratio is 15.22% and its delinquency rate 0.42%.
How does Sheboygan Area compare to other credit unions?
Sheboygan Area scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (71.23% vs 62.60%).
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?
Sheboygan Area 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. Sheboygan Area's net worth ratio of 15.22% 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.