State credit union · Oshkosh, Wisconsin · NCUA charter #66437
Winnebago Community
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $167.6M
- Total assets
- 8,536
- Members
- 13.7%
- Net-worth ratio
Winnebago Community scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $167.6M; members 8,536; net-worth ratio 13.65%; health rank #479 of 4,374; healthier than 87th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#479 of 4,374 health · 2025Q4Winnebago Community · health 94/100 · $167.6M · 2025Q4
- MEM 94/100
- RANK 13.7%
- PHOTO 0.19%
- BOOK 0.98%
- CHARTER $167.6M
- NCUSIF 8,536
- CAMELS #479/4,374
- HEALTH Mountain Laurel
- NW 66437
Call Report peers
Winnebago Community in the assets neighbourhood
Winnebago Community's $167.6M assets sit next to Mountain Laurel ($167.8M) 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.
Winnebago Community 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
94 Top 13% higher than 87% 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
Winnebago Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66437. See our deposit-insurance coverage note.
Peer-gap read for Winnebago Community
- Largest favorable gap: Loan-to-Share Ratio at 87.16% vs peer 72.20% (+14.96 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for Winnebago Community
- Health composite ranks #15 of 100 among scored Wisconsin credit unions.
- By total assets, Winnebago Community is #37 of 100 in Wisconsin.
- Wisconsin membership ordinal: #40 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 Winnebago Community's 5300 filing moved
Winnebago Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $167.6M (2025Q4) to $173.2M (2026Q1).
- Net-worth ratio shifted -0.24 pp (13.89% → 13.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 15.2 pts
Winnebago Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.65% | +1.54 pp |
| Delinquency Rate | 0.19% | -0.70 pp |
| Return on Assets | 0.98% | +0.36 pp |
| Member Growth | -0.11% | - |
| Loan-to-Share Ratio | 87.16% | +14.96 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $173.2M | - |
| 2025Q4 | $167.6M | 8,536 |
| 2024Q4 | $158.8M | 8,545 |
| 2023Q4 | $149.1M | 8,469 |
Credit Union Details
- Charter Number
- 66437
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Oshkosh
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Winnebago Community runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Snell (Main Office) | Oshkosh, WI |
| Commercial | Neenah, WI |
| Witzel | Oshkosh, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Other-state peers near Winnebago Community
Winnebago Community's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($167.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Winnebago Community ranks #479 of 4,374 nationally on financial health and #15 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N.E.W. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N.E.W.
- 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 Winnebago Community financially healthy?
Yes/no aside, the number is 94/100 (Excellent) - Winnebago Community'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 #479 of 4,374; by total assets it ranks #1,409 of 4,374 nationally (same basis as /rankings/largest); and #37 of 100 within Wisconsin. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.65% net worth ratio and 0.19% delinquency rate are the key drivers.
How does Winnebago Community compare to other credit unions?
On PlainCU's health composite, Winnebago Community lands at 94/100, 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 Winnebago Community?
Membership eligibility for Winnebago Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Winnebago Community directly for current membership requirements and application steps.
Is my money safe at Winnebago Community?
Federal credit unions like Winnebago Community 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. Winnebago Community's net worth ratio of 13.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Winnebago Community offer compared to banks?
Credit unions like Winnebago Community 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 Winnebago Community 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.