# COUNTY - CITY
JEFFERSON, WI · NCUA charter 66456 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/county-city-66456

Who the members are: state charter, organized 1963. 2,972 members of 86,505 potential (3.4% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $42.5M |
| Members | 2,972 (-1.3% YoY) |
| Full-time staff | 11 |
| Net worth | $4.8M |
| Net worth ratio | 11.3% (p25 of band) |
| ROA (annualized) | 0.86% (p63 of band) |
| Total delinquency | 0.01% (p18 of band) |
| Net charge-offs (annualized) | 0.02% (p52 of band) |
| Loans / shares | 51% (p41 of band) |
| Cash / assets | 44.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.86% (p49 of band) |
| Operating expense / assets | 3.95% (p59 of band) |
| Vehicles % of loans | 28% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.04% (p34 of band) |
| Vehicle NCO | 0.07% (p71 of band) |
| Repossessed % of vehicle book | 0.06% (p92 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 73% |
| Certificates % of member funds | 14% |
| Average share balance | $5,965 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,735 |
| Loans granted, annualized | $4.7M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | thin capital, delinquency rising |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 3 | thin capital, margin squeeze |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | net worth falling |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 | assets shrinking | thin capital |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | assets shrinking |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising |  |

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

- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2024-02-29 [Google Wallet now supports 40 more banks - can you finally pay by phone? - ZDNET](https://news.google.com/rss/articles/CBMiogFBVV95cUxNdElTT1pXSzdNcE5QV3Z2ZUNXVjJyQmk1LXlzNE5UN3ZmYjU1d3RXYTBFVlpSbGJSc1hOV2UxbXFacDVHSlJHUk90WDJZcDBWM1lBV2xzWjU4YldCNmdKSTJlZHlmM1NqTDlHXzZVRzhfX0NkZTh1eTEtMWkxZ0RiY18ybXBTNVJWUWdiSmlXRVU2Z2N2NXIzbU5EZjE5Mm5uNnc?oc=5) · ZDNET
- 2024-05-19 [Jefferson High School seniors, grads receive more than half a million in scholarships - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOdDRQV25CaTFxSHBDV2w1RTI1cUQybGNBS2Q2TFBxZ2Jla1hXMHFNbDEzYzFPU1FFNDZoNXVkTl9WZWF1Mm9wbzUwc25sWS1qRWVudWZ2Qmw1NFlXMnp5bTJheW9HWEo5eUctZUQwOEZOUVFNT0VpVGd1clNNN2tIVmFKUkE3ZmQ5Wjc1Rm5DLTduNWNVTDZDRHBnNmw2NkxET0E0ckVZdHlvcFVvY1BrX2YyU3JQRTc5WWhHOTdMV3drMlpKXzhoUDRTUVYxZDllTTZZTUd4OXozWmlBNGFmM2pxMGhPMGl4Z3BjZWxwQldVaVk?oc=5) · Daily Jefferson County Union
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - Android Central](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · Android Central
- 2026-03-03 [City of Sweetwater names stretch of Northwest 15th Street for Detective Harry Wright - citizenportal.ai](https://news.google.com/rss/articles/CBMigAJBVV95cUxQVnlTa3ptXzNRVmlodDVkazhieXpmWUpzUVpGNmVqbEQwMl9BOXBpTElOdnMzUUh1N1VTSzFlWGNVRWJIOTdjd0R0c0s3NGVaUFh4UVFzU3VaNTdQbm5ubmpvTGlYLTh1RXhHQ0k1YWdzcHowSnRqcXVOS1VvT2ZHLUNkcWxJZGZScjhZZWlJVXdacXpmZDRUa21oT2l4eGtYRlZLbGF6WXlkdV9WYjI4dDliS3VEX2ZLUlJjZkE5OEZhUk1uenBCYWowRHU2Y1dDbmNYXzJTbkp1WnM2NzhCWGxyYkthTEFJMk1BVjhLZ2IxZVdqX2U3ZTE2Wmx4Tl9u?oc=5) · citizenportal.ai
- 2025-01-31 [Barbara Schenck Obituary (1955 - 2025) - Fort Atkinson, WI - Daily Jefferson County Union - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQMUFfakZFcDZBTExEM3F2LVpSNnY5cmlPa0k0QTNKb0ZJRFpfOVRRZWtOSTlMVEZ2OTkya1lJNlV5dEhlcDRvRW1rT052cXhZNURuTldCelFuYzNIcmdiZXdEYUV0NHA2MzhEU2UtOFBiRXRuNUtKSGNDZjhmTEtJT1pwTHhzWGh2LVBKd190dnU4eUU?oc=5) · legacy.com
- 2010-06-01 [Benefit set for Jefferson man hurt in accident - wdtimes.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOWWRFemVRTnhncW8zX0prTmFIbzhDZzNhUEVEOVVITDhzYjhKZ0ZPZ1Q2UU5jdFNoQl9hOHdKSE5qaFg1ekRPYnhwTFlWY1FiaEpINDZ4WC1OYjdlY29uR0IycDJUQ1MwcXpoQUNjcHZtOXJaVWdGQko4WExrOUFPYjhUUklRTWxQM1YwNzNuOXRhX2ViX3dOdGEzVEwwbndnb0VaNzAtZElZNEI2azNpX3d4cjFFVWw2Qmx5YzIycDBXVmQtRElFR1Btdw?oc=5) · wdtimes.com
- 2021-05-31 [2021 The Triad’s Best: WINNERS ANNOUNCED - YES! Weekly](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNajhPUzkwYXF3UDMxRnE1LTg1S0lGQlAwc280N2doU3FqQTdIUThkSGtYMXd2ZEUxSUpWTUJrMUlUREFtWVUyeWhsa25xbzF1anFhNU9XRmZaaEk3SmVLTVZyWVZ6RUE2VVlieGlza0szcl9NT3ctVXpNMldaV1g2WVo5blpWcVB0amt1QVAyNFVDVHdnZk9tSkoxTHJ0MFQ5V2VsbDR0bXRxUnNwMkVrV3JZUkJTeXNxeVNjeWt6SWVvdw?oc=5) · YES! Weekly

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66456 (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/24.json (key "66456", 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=66456
- 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