State credit union · Sheboygan, Wisconsin · NCUA charter #66616
Sheboygan Area
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $87.1M
- Total assets
- 6,868
- Members
- 15.0%
- Net-worth ratio
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 - 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)100
- Member growth77
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.96% | 30% |
| Delinquency Rate | 0.42% | 25% |
| Return on Assets | 1.76% | 15% |
| Member Growth | 2.16% | 15% |
| Loan-to-Share Ratio | 71.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Sheboygan Area
Headquartered in Sheboygan, Wisconsin, Sheboygan Area is a state credit union with 6,868 members, $87.1M in total assets, and $51.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 97/100 (Excellent), driven in part by a net worth ratio of 14.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #66616 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 0.42% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Meanwhile a 71.23% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.76% on net income of $1.5M 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%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.96% 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 14.96% 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.
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.