State overview · Q4 2025

Wisconsin Credit Unions

All 100 federally-insured credit unions in Wisconsin, ranked by financial health, from NCUA 5300 Call Reports.

100
Credit unions
3.9M
Members
$73.4B
Combined assets
86/100
Avg health
100 CUs · avg health 86/100

Wisconsin has 100 federally insured credit unions averaging 86/100 health on NCUA 5300 Call Report aggregates. Combined assets $73.4B; 84 score Excellent (80+). State leader: Park City at 100/100.

  • Mean delinquency rank #39 of 52 (lower DQ better)
  • Mean ROA rank #10 of 52
  • Data vintage 2026-09-06

Wisconsin vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

100 14th of 54 higher than 40 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Wisconsin's 100 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)84 CUsGood (60–79)13 CUsFair (40–59)3 CUsWeak (<40)0 CUs

Wisconsin Call Report quality, high mean ROA cohort

Mean NCUA 5300 ratios across 100 federally insured credit unions in Wisconsin, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.47%
National rank #39 of 52 · lower DQ better
Mean ROA
0.75%
National rank #10 of 52
Mean loan-to-share
80.0%
Mean net worth 13.5% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
11.0%
Dispersed book, largest charter holds under 25% of combined Wisconsin CU assets · concentration rank #3 of 52 (lower share = more dispersed) · largest by assets on this board: SUMMIT

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Wisconsin is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Wisconsin vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Wisconsin highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Wisconsin vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TN - 15.99%, 1.081%TX - 15.62%, 1.279%UT - 16.09%, 0.974%VA - 14.12%, 1.395%WV - 15.58%, 1.434%WI - 13.48%, 1.468%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Wisconsin highlighted.

All Credit Unions in Wisconsin

Credit Union Health
Park City Merrill 100
Community First Appleton 98
First Choice MARSHFIELD 98
Oshkosh Community Oshkosh 98
Valley Communities Mosinee 98
ARCADIA Arcadia 97
HEARTLAND Madison 97
Sheboygan Area Sheboygan 97
University of Wisconsin Madison 97
Fox Communities Appleton 95
Marathon County Employees WAUSAU 95
N.E.W. Oconto Falls 95
Golden Rule Community RIPON 94
GUNDERSEN LA CROSSE 94
LCO Hayward 94
Madison Fire Department MADISON 94
Mcu Financial Center Racine 94
PCM Green Bay 94
School Employees Superior 94
WESTCONSIN Menomonie 94
Winnebago Community Oshkosh 94
1st Community Sparta 93
EVERGREEN NEENAH 93
First Community Cu of Beloit Beloit 93
INDIANHEAD SPOONER 93
OAKDALE Oakdale 93
WEA Madison 93
Iron County Community Hurley 92
LANDMARK Brookfield 92
Members' Advantage Wisconsin Rapid 92
SENTRY Stevens Point 92
TEACHERS Beloit 92
UNISON Kaukauna 92
Governmental Employees La Crosse 91
Holy Redeemer Community of Se Wis. MILWAUKEE 91
ROYAL EAU CLAIRE 91
SUMMIT Madison 91
BROKAW Weston 90
CLOVERBELT Wausau 90
CO-OP Black River Fal 90
FOCUS Menomonee Falls 90
MADISON MADISON 90
Racine Municipal Employees Racine 90
SHORELINE Two Rivers 90
Bay Shore MARINETTE 89
CAPITAL Green Bay 89
County - City JEFFERSON 89
EDUCATORS Racine 89
FIREFIGHTERS ONALASKA 89
Holy Family Memorial Manitowoc 89
POLICE SHEBOYGAN 89
SIMPLICITY Marshfield 89
TAYLOR Medford 89
Central Wisconsin Plover 88
COVANTAGE Antigo 88
Northwestern Mutual Milwaukee 88
Tomah Area Tomah 88
UNITEDONE Manitowoc 88
Wisconsin Medical Green Bay 88
ALTRA ONALASKA 87
Blackhawk Community Janesville 87
KOHLER Sheboygan 87
RIPPLE Oshkosh 87
SERVICE Green Bay 87
Verve, a Credit Union Oshkosh 87
Athens Area ATHENS 86
Dairyland Power LA CROSSE 86
GUARDIAN Oak Creek 86
Fond Du Lac Fond du Lac 85
Westby Co-Op WESTBY 85
Glacier Hills WEST BEND 84
Premier Financial New Holstein 84
TRI-COUNTY Marinette 84
PROSPERA APPLETON 83
Air Tech MILWAUKEE 82
BADGER-GLOBE NEENAH 82
Forward Financial NIAGARA 82
Marshfield Medical Center Marshfield 82
MEADOWLAND SHEBOYGAN FALLS 82
Northwoods Community Park Falls 82
RIPCO Rhinelander 81
Southern Lakes KENOSHA 81
Fort Community FORT ATKINSON 80
Prime Financial Cudahy 80
Superior Municipal Employees SUPERIOR 79
Wisconsin Latvian, Inc. Milwaukee 77
Public Service Wausau 75
1st Class Express WAUKESHA 74
Kenosha Police and Firemen's KENOSHA 74
LAKEWOOD Rib Lake 74
M.E. Employees WAUSAU 72
Compassionate Care Fond du Lac 70
MARINE La Crosse 69
AVESTAR Waterloo 65
Superior Choice Superior 63
BREWERY MILWAUKEE 62
STOPPENBACH Jefferson 60
BRANTWOOD Brantwood 59
Alloy Employees WAUKESHA 50
CONNEXUS Wausau 46

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.

What This Data Says About Credit Unions in Wisconsin

Wisconsin is home to 100 federally-insured credit unions collectively serving 3.9M members with $73.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 86/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Park City of Merrill currently leads the cohort with a health score of 100/100, while the full distribution spans 100 institutions ranked below.

The health distribution breaks into four bands: 84 credit unions score 80–100 (Excellent), 13 score 60–79 (Good), 3 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Wisconsin's 100 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Wisconsin: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($73.4B here).

Illinois $75.8B Utah $66.0B Pennsylvania $81.7B North Carolina $89.7B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (100 here).

Virginia 95 CUs Florida 109 CUs Alabama 89 CUs Missouri 89 CUs

Frequently Asked Questions

How many credit unions are in Wisconsin?

There are 100 federally-insured credit unions in Wisconsin as of Q4 2025, with a combined 3.9M members and $73.4B in total assets. That places Wisconsin at #11 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Wisconsin ranks #3 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Wisconsin?

Based on NCUA Q4 2025 data, Park City in Merrill ranks highest in Wisconsin with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Wisconsin's data

  • Park City in Merrill is the healthiest scored credit union in Wisconsin at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Wisconsin's credit unions rank #39 of 52 nationally on delinquency rate (among the highest) and #10 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • Wisconsin ranks #3 of 54 by average health score and #11 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.