State credit union · Tomah, Wisconsin · NCUA charter #66615
Tomah Area
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $121.1M
- Total assets
- 6,704
- Members
- 12.3%
- Net-worth ratio
Tomah Area scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $121.1M; members 6,704; net-worth ratio 12.28%; health rank #1,453 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,453 of 4,374 health · 2025Q4Tomah Area · health 88/100 · $121.1M · 2025Q4
Call Report peers
Tomah Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tomah Area vs every NCUA-scored credit union
Tomah Area sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Peer-gap read for Tomah Area
- Largest favorable gap: Return on Assets at 1.53% vs peer 0.62% (+0.90 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.00 pp (57.20% vs 72.20%).
Tomah Area in Wisconsin
- In Wisconsin, health place is #55 of 100 on the same NCUA-ratio sort used nationally.
- Wisconsin assets place: #46 of 100.
- Wisconsin membership ordinal: #51 of 100.
- One place up in Wisconsin, Wisconsin Medical (#54) ties at 88/100; one place down, UNITEDONE (#56) ties at 88/100.
Tomah Area: 2025Q4 → 2026Q1
Tomah Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $121.1M (2025Q4) to $123.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (12.23% → 12.28%).
At 12.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Tomah Area gives up 12 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 12.0 pts
Tomah Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.28% | +0.17 pp |
| Delinquency Rate | 0.02% | -0.88 pp |
| Return on Assets | 1.53% | +0.90 pp |
| Member Growth | -1.69% | - |
| Loan-to-Share Ratio | 57.20% | -15.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Tomah Area quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $123.7M | - |
| 2025Q4 | $121.1M | 6,704 |
| 2024Q4 | $109.5M | 6,819 |
| 2023Q4 | $98.6M | 6,873 |
Credit Union Details
- Charter Number
- 66615
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Tomah
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Tomah Area.
| Office | City |
|---|---|
| Tomah Area Credit Union (Main Office) | Tomah, WI |
| Timberwolves Credit Union | Tomah, 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.
Cross-state Call Report peers for Tomah Area
Using this data
- Tomah Area ranks #1,453 of 4,374 nationally on financial health and #55 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Governmental Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Governmental Employees
Frequently Asked Questions
Is Tomah Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Tomah Area scores 88/100 (Excellent), with a 12.28% net worth ratio and 0.02% of loans delinquent. It ranks #1,453 of 4,374 nationally on health and #55 of 100 in Wisconsin.
How does Tomah Area compare to other credit unions?
Tomah Area scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.53% vs 0.62%). Its widest shortfall is loan-to-share ratio (57.20% vs 72.20%).
How can I join Tomah Area?
Membership eligibility for Tomah Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tomah Area directly for current membership requirements and application steps.
Is my money safe at Tomah Area?
Tomah 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. Tomah Area's net worth ratio of 12.28% 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.