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
- NW 88/100
- DELQ 12.3%
- ROA 0.02%
- ASSETS 1.53%
- MEM $121.1M
- RANK 6,704
- PHOTO #1,453/4,374
- BOOK NESC
- CHARTER 66615
Call Report peers
Tomah Area in the assets neighbourhood
Tomah Area's $121.1M assets sit next to NESC ($121.1M) 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.
Tomah 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
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
Tomah Area - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66615: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Tomah Area: 2025Q4 → 2026Q1
Tomah Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $121.1M (2025Q4) to $123.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (12.23% → 12.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Tomah Area - kept outside Wisconsin; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($121.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Tomah Area financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Tomah Area's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,453 of 4,374; by total assets it ranks #1,669 of 4,374 nationally (same basis as /rankings/largest); and #46 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.28% net worth ratio and 0.02% delinquency rate are the key drivers.
How does Tomah Area compare to other credit unions?
On PlainCU's health composite, Tomah Area lands at 88/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Tomah 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. Tomah Area's net worth ratio of 12.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tomah Area offer compared to banks?
Credit unions like Tomah 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 Tomah 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.