# PCM
Green Bay, WI · NCUA charter 66424 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pcm-66424

Who the members are: state charter, organized 1958. 15,556 members of 453,609 potential (3.4% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 83.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $511.3M |
| Members | 15,556 (3.4% YoY) |
| Full-time staff | 48 |
| Net worth | $53.0M |
| Net worth ratio | 10.4% (p50 of band) |
| ROA (annualized) | 1.06% (p76 of band) |
| Total delinquency | 0.56% (p47 of band) |
| Net charge-offs (annualized) | 0.15% (p15 of band) |
| Loans / shares | 87% (p70 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 8.82% |
| Net interest margin | 2.15% (p2 of band) |
| Operating expense / assets | 1.87% (p4 of band) |
| Vehicles % of loans | 15% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p16 of band) |
| Vehicle delinquency | 0.52% (p45 of band) |
| Vehicle NCO | 0.21% (p12 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 31% |
| Certificates % of member funds | 37% |
| Average share balance | $10,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 83% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $27,994 |
| Loans granted, annualized | $48.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | loans>95% of shares |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 1 |  | loans>95% of shares |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | loans>95% of shares |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | net worth falling |  |
| 2018-12 | 2 | delinquency rising | net worth falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | loans>95% of shares |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 1 |  | margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | net worth falling, delinquency rising |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | margin squeeze | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 3 | delinquency rising | margin squeeze |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | net worth falling |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 3 | net worth falling, delinquency rising |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising | net worth falling |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Refuel The Farmer - WTAQ](https://news.google.com/rss/articles/CBMiTEFVX3lxTE9rU0x2X1c1N0pKNEdaRXZHSEstdkdGWjgyc19fMXZiYUtVZ1BBbnBWT0xzVjFRMmlscTJCWDhYWXFBR1lfcTlmdGY0T0s?oc=5) · WTAQ
- 2026-01-19 [138+ Places You Can Get Your Credit Score for Free (2026 Update) - nav.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOdDFyWXdfR2J2ZG5FM0FwcEVLLTFsRDZNZElWNFNOemRVTGNkWFRiVUNSWVBBYmlzdG5PNjhkNjdwQ25fZEtwTkJzejZ3YzZZUmRXa0tzSUQ4MXNGcDBKYUR4SzN4TEYzODhQVXZMLW5vSU1pQ0I4LUN6dUhqRFA2LS1vcmx1Wm5SUEE?oc=5) · nav.com
- 2023-03-17 [Green Bay area PCM Credit Union CEO retires after 35-year career - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQRDZsa09EMFlmY1BOY3ByTHNwM3RmMlN0UTFjMzBQTW1oTURHTkpqZ210bW9BZVRxS3ZWeVBiUjlqbU1pVjh2MEg4OVR1dVF2YmNiZndPbl9abTgyOVhIYU5mdFl2bEpod2twYXZhTHBOeW8zeUc0MTB6SjNna00wdjZhLWw0eFE2VWpXSldGbXVOaWc0T2pDaE92VWtsb3ZMWjBMMkNoYVJkeENHd1ZzMWZ4bThOV0xRcHZ6ZUFsT1VCWTcwaWF2cm1NeTA5OFhOYXdlNnllZ3ktOWtLVGVRWQ?oc=5) · Green Bay Press-Gazette
- 2024-07-19 [Have people care about your money at PCM Credit Union - wearegreenbay.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNd2l6a3d5dEFvMUlld0w0LWVia3djTkR4Ym5aOUR1RmV1M2JncjRncnE2T2lCZk85MU51TU94QllWZ0x6cVdwTlBaWlV0bVdCUkhoRktCdjR5ZUw5Z1NVUjZjV0RqSG11UklXR2xzeHpiVUlkYW1CVUo4aV9CeXBadlF3cHFUR0Ewc1F2OXZwNlREeTFKZ0xHb9IBngFBVV95cUxQTlpoWmNuaFFYa1g0OWV2NkhTd25xVlIyaFNoVlYyUEVPZHAwaVBDTW00VDJ6eWdxLTlzODdtTnNVSzUwZEROU0R2Ym1TQkRtVHNoVnR3TzBldTNwUnE2NlYxOV9LNE41aEw1dUVCaEt0Sk5SclhOREhmZFRZeTYtaU5pbmxxTjFyMFRfa0VvQkFMZ0NnM3dVb3NoS1ZFQQ?oc=5) · wearegreenbay.com
- 2021-09-03 [The Best Credit Unions to Work For, under $500 million of assets, 2021 - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxON2lPQkZ4WUUzS1FfVE9HaVJ1TEVFNWVoNmVFLTE2WVktdnpRZGZLZlloVDBhYXRDcVdRWkJxczByRTFVam9zcXh6ZmQzYU9oNDNjWU1temktQUk3bEdpdzMzZENwNVFDaHNrdkJ5QzYyT3JnSEFmLW9yblZaR3JKZWFrcUVJc1lLNk0xYVc4SjlCbWlNcG8wemxLWGctWVNFM1VabzVDWmJkd2xkc0N0cUJ3a1VzdHc?oc=5) · American Banker
- 2021-08-26 [Janice Sampo Obituary Aug 26, 2021 - Cotter Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9KQkZIUDhoUmFIdTRqa2tVdFI0a3h2ME5JemdTNTQzRHh4Zl9DRnNKMUFlamdhN3M3WS1HWFdGQkV6V0dyZUQ2MjMwcTVmdUxROWp3MkdYZkZFckZ3cGs2MkctNm1NMEF3?oc=5) · Cotter Funeral Home
- 2024-02-26 [Corporate Central welcomes Charlie Zanayed to Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQTXRqTmRBNjZ3RGowX3ZldUR6NkdUcWgtcFFwTHo1LUJfcG9KcVBOSG5KZ0lsemFQR05GSk9LZnVmOWl0ZHNJM1h4bzVyYUhtQ1RwQ052ZjFMVmtZZUVlX0dic01Ra21FaU11bHhQcFpmVWVuQnNuZlRPWVd1VFpoZU1GTHdfek5lMFRZcXNVX20xVms1WnhVWFFIUFVWcjBzXzFnd2o3cng?oc=5) · CUInsight
- 2025-03-30 [Raymond J Burich Obituary Mar 30, 2025 - Blaney Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMia0FVX3lxTFByZmtibUlXZ0NjWVlfVlR1UUFwR0xyLUtJOUhmMVZrRmdOaXFETGdRRHN1Ty1aZV8yODNRMzNLN1lMVGRZdFNVWnQ4OWFmRURJeDBaeFNrY2wwRW1oRV9zZEYwOExDYjhLODY4?oc=5) · Blaney Funeral Home & Cremation Services

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66424 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "66424", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66424
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide