# WINNEBAGO COMMUNITY
Oshkosh, WI · NCUA charter 66437 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/winnebago-community-66437

Who the members are: state charter, organized 1954. 8,576 members of 30,000 potential (28.6% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $173.2M |
| Members | 8,576 (0.6% YoY) |
| Full-time staff | 21 |
| Net worth | $23.6M |
| Net worth ratio | 13.7% (p73 of band) |
| ROA (annualized) | 0.83% (p59 of band) |
| Total delinquency | 0.15% (p11 of band) |
| Net charge-offs (annualized) | 0.09% (p20 of band) |
| Loans / shares | 83% (p77 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.70% (p7 of band) |
| Operating expense / assets | 2.62% (p17 of band) |
| Vehicles % of loans | 9% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.62% (p53 of band) |
| Vehicle NCO | 0.98% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 87% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 40% |
| Average share balance | $6,998 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $32,299 |
| Loans granted, annualized | $19.5M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2024-02-29 [Paula Ann Hall Obituary Dec 12, 2010 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE15cHZMYTNVVEZQVW1oWEJMeWZKVDZFMldXYWlYUF9LRk9qWkcybVQ2M2l4Znc1Z0xCcTFIQmlncXp3eWYtaFY3UXNmLUJWNDlwVFpJdG1OcW1BMU5TVFVaczFENGNnRVk?oc=5) · Konrad-Behlman Funeral Homes
- 2017-03-11 [Who's news: March 12 - The Post-Crescent](https://news.google.com/rss/articles/CBMihwFBVV95cUxQNHJsVzhwX0Ewd3k0aTBZb0l1blYwbE9VTGhpVXNtTHNwWlVCWnBMa29YY2FsRkJnYkRrcEJCRVYwRmhLcV9mV2tFbG1WN21pSkRiOG0xOFV0QUFhaFdnVjlhbnhGdXp2QzNJQnM4Ym96MG9RdktjQks2MDBGbDJjUldSdW9xeXc?oc=5) · The Post-Crescent
- 2015-05-15 [Pollock Community Water Park opens for the season - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMivgFBVV95cUxON0loNWFqUERUR0hjNzJJUGFHTXZNUFloRndJV1I5NnlJSlBUVDdHWnd2aVJuLUhwTU9OMFBVYkxaTEhMWTI3WG5tRklRb09ObXNxUE5zdmQ5aEd2T19CRWNjWC02bFRvaGw2TmVVNEZFSTRJZHpyUHYtalZ2c01UUklienFIdUM3R2hCRzE0UGpFLUNzenBSOXU0SFhTa01KNmpPSjhBODRGMTJoSVlwSDFtdFJqWTV1NnhsY3Rn?oc=5) · Oshkosh Northwestern
- 2025-01-31 [Terry Wohler Obituary (1948 - 2025) - Oshkosh, WI - Oshkosh Herald - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPazlqX1NYZzVzTmRvWmlRM0psVjQyUXBubDRHNTE1aWdHdlRtX1YtVVBNWHc4TGE0cm5pdWFyQVpaRmFqTURRVms3ZjFWdlg2eVVrVDhHM09BeHFsRml0aXlzZXJqSlc2aWdEM1Y4Qi1XV3VtNmwzZjRSWWJ0anlSTnVZMWprek0tR041UDZRblo5Slk?oc=5) · legacy.com
- 2020-10-02 [Kathleen "Kate" Collins Obituary Oct 2, 2020 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE55YlJNRHZtdl8wd0VUV201MWNvWVlfa1VSZ0V0ZURtN0dBSDZxa2ZfbkpFbnlVdm1GZG9NaVpyVFlhenZQV2xuQko5Tm81LWE4QVVoYTBLSDhiZkw2c0pVN0o3Q2xlbU8xUUR2dW9ERHI?oc=5) · Konrad-Behlman Funeral Homes

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66437 (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/5.json (key "66437", 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=66437
- 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