# SENTRY
Stevens Point, WI · NCUA charter 66439 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sentry-66439

Who the members are: state charter, organized 1935. 7,160 members of 64,726 potential (11.1% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *fortress*. 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 | $170.1M |
| Members | 7,160 (1.9% YoY) |
| Full-time staff | 18 |
| Net worth | $21.1M |
| Net worth ratio | 12.4% (p60 of band) |
| ROA (annualized) | 0.81% (p57 of band) |
| Total delinquency | 0.40% (p32 of band) |
| Net charge-offs (annualized) | 0.09% (p21 of band) |
| Loans / shares | 74% (p58 of band) |
| Cash / assets | 34.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.81% (p9 of band) |
| Operating expense / assets | 2.14% (p6 of band) |
| Vehicles % of loans | 26% (p29 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.85% (p65 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 8% |
| Average share balance | $9,286 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $23,750 |
| Loans granted, annualized | $31.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $403,639 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 12.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## 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 | 1 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | delinquency rising | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze | delinquency rising |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 1 | delinquency rising | margin squeeze |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | net worth falling |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2026-05-02 [John "Jack" Edgerton Obituary May 2, 2026 - Pisarski Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBFOVdoaVF1Q2pBaWZEY2EzaEpZUF9DY2Z5UWFhekROTXQ1Q0RCR05BZWxNRzF2UG9TUk9IODVpTmY1MHhHcWM3LU1WS3MwQVp4cmlpWWhlNFY4Smw2dENmQWN3bGJRYTBCMXp0TVNJa1E?oc=5) · Pisarski Funeral Homes
- 2022-06-16 [Obituary information for Darlene Grace Radel - Gunderson Funeral Home](https://news.google.com/rss/articles/CBMifEFVX3lxTE1rUHNZV0tfZEJNZ2FYOTN3WnlNN1VWYU5MQUxpN3lvMVdzbGRoN3RzanRXS0ZSUnpEemFhNUVKVkQ1RkQ5WVpOeFUxTVkwYXRGVEE5NnBIS2FfVXRKcmw0dHBGYkd5ZnlJQmszcGhqY0pOVkZOOTNZOVRjeFY?oc=5) · Gunderson Funeral Home
- 2016-04-20 [Cisco and Fiserv: Transforming the Customer and Employee Experience - Cisco Blogs](https://news.google.com/rss/articles/CBMirAFBVV95cUxPbXNlTDBPVGM5cUxhN0MtbGpIWC13YkIxWVE0TGlBVUxGSUlwdy1SX05CZjhjbWlWMWM4TGMwSHFsR0lRcG52LWF6Y2FGVHctOVltdHZjNzRBaW55Q2hfbWRXVGs5eFkxMEtabW1NSGdlbURKdmtZQkhwZFFjNDhlaEd5aGN4RXhwVjFEcjJ1SS15WkJuNl9hNVZraHNaS0xzWEREaUMwS0d3a0tR?oc=5) · Cisco Blogs
- 2011-08-17 [Vos' Sentry crowned youth softball champions - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMixgFBVV95cUxPeUdOTlRSRjdEYktOTWpjZE9QVFlpNmJXcktwXzlhNV9qeGhaZmJCNzk3dUxseHQtX0k5NExOS3poNkVLS0ktVDJsTUlHcXRMTllUcEZQQlJOaEVHd2ZjTHUtdG5pOGgwcG5vVnZGSFlJYWJVdjM4RXJ0RWwwZG9SWGh0Rmw4OTA1SUx4N196bm5TVFlZRE9OM2xqRzFiZDlqZElLVEJUaHVqcWRnV0doZk82bF9HNVJLYjZ2ZFMyRFZ3NkR5b1E?oc=5) · Daily Jefferson County Union
- 2024-01-31 [Portage County Business Council honors businesses, industry leaders - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWEMzdTZTcTNVZ2RPaUtxZE5qWkdxellETmU5bGgtcjM2N1JXQ2lXSjVjZDlCWFJ0RmNKSzdqSGNMQy1HdVNqd0FWRXlSS3FqVjh5bFUzTzZQVWtfa0NhamJHYlJYWjE4OVJkSDBpbkVNMXhtZG0zc0FXLWhIbV9EY295WEFhbUlBVmhILW5jSVEyWUJSanc?oc=5) · Point/Plover Metro Wire
- 2024-06-01 [Myrna Jean Janowski Obituary Jun 1, 2024 - Pisarski Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTE54Y1dMdlJ3NGNfWW01UG8zOVA3WXdBVm1oQ3VWVFAyY2V2Q1hORlJpSUZOVGNtamlRaG5ZbnBDRzE0alNTTm9US2Q5Q0VjVzZScmZwNENyYkhyYlFxYUtBc1lnSThnMDJnOVNB?oc=5) · Pisarski Funeral Homes
- 2014-02-03 [After 90 years, Vos family leaving grocery business - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMizAFBVV95cUxPMHZQN2xYVG9CMXBVWE9IYVZOXzgtbm5ZTENuQzUzdG5Rb2haYmsxUC12OFc1Q3RxZ05YbnJCTExXeEZpd0FzXzgxeDk0TS1VeVhpRUtfU2trcmZpbGNWSzNpMmo4YklfVU14bmxQWTNwUEI0ZkR4ckNpeGxzUmpUUlpCal9najQ1dEUtQUlWNkg1SE5RbUpXaVZNY1pTdFFyOGhkakRpRERKeEotLV92WDhtQzk5REhPaW9nd1pONkZpdWhyNTdzajdkTk0?oc=5) · Daily Jefferson County Union

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66439 (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/7.json (key "66439", 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=66439
- 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