# PUBLIC SERVICE
Wausau, WI · NCUA charter 66461 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/public-service-66461

Who the members are: state charter, organized 1935. 988 members of 15,000 potential (6.6% of the field); checking penetration 9% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.2M |
| Members | 988 (-9.0% YoY) |
| Full-time staff | 3 |
| Net worth | $2.7M |
| Net worth ratio | 20.3% (p75 of band) |
| ROA (annualized) | 0.03% (p25 of band) |
| Total delinquency | 0.05% (p21 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 104% (p97 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.14% (p23 of band) |
| Operating expense / assets | 3.23% (p38 of band) |
| Vehicles % of loans | 29% (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 | 0.08% (p35 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 37% |
| Average share balance | $7,335 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $27,779 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)

## 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 | 2 | assets shrinking, members leaving |  |
| 2017-06 | 2 | net worth falling, delinquency rising | assets shrinking, members leaving |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising, assets shrinking |  |
| 2018-06 | 2 | net worth falling | delinquency rising |
| 2018-09 | 1 |  | assets shrinking |
| 2018-12 | 0 |  | net worth falling |
| 2019-03 | 1 | members leaving |  |
| 2019-06 | 1 | assets shrinking | members leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | assets shrinking |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | delinquency rising |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | delinquency rising |
| 2021-12 | 3 | net worth falling, losing money, delinquency rising |  |
| 2022-03 | 2 |  | delinquency rising |
| 2022-06 | 4 | margin squeeze, delinquency rising |  |
| 2022-09 | 2 |  | net worth falling, margin squeeze |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | losing money |
| 2024-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 1 | net worth falling |  |
| 2024-12 | 0 |  | net worth falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 3 | net worth falling, losing money, members leaving |  |
| 2025-09 | 3 | loans>95% of shares | losing money |
| 2025-12 | 5 | losing money, delinquency rising |  |
| 2026-03 | 3 |  | losing money, delinquency rising |

## 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
- 2026-03-16 [Updates on blizzard in Green Bay area: Forecast, closures, travel - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPLWxYb1M4bDRwcWt6ek1fSWU5RlJvblJZV3Z2SnlEN1dOcWh0akZZMnpnZDVJdHE1VHZiX083bnQ0QnJBNkVGdmE5blQ1MEtzeDBrUjNxQXhUTkxVckhTU1hjQjNhdjlyRkJQZVdIWkhaSWtXOEYxdjY0WndZbTJiajZsRy05ZXdrcHBnZWh5UlJWV3A3Q0FNRFlVeUEwVVhjZ184VE9TTlljb1ZIRUl2ODJGUTN0ZjZ1MEJIdk5DOGg0YUIzaTRJNXk0YzJUWUlFZVln?oc=5) · Green Bay Press-Gazette
- 2024-02-23 [John H. Schultz Obituary Aug 5, 2006 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBOWnB1ZE1VZnVORVBDWHRidFVnVXdyWHFZWGwta0h1cmlET0g1VjJMX3VvLXgwSmttbGdibXZPQXBWSlRlME1TZHFWNEpxdm9CUkR5Y0VuUnRFUlkzNS1hWm91N01Sb2s?oc=5) · Konrad-Behlman Funeral Homes
- 2021-08-05 [Gary Zernicke Obituary Aug 5, 2021 - Nimsgern Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5QTmFxVzIxLUw3WWI3bnBIeHctNi1TcG9FM0xidDAwcWxxWEIyMEVvczRzb2dfeVNPeEZyUTFySVRmRUlLeERodm9WeUR5TFlERWZVRy1CbzJWcHF2YUtXU1EyaktFdm8?oc=5) · Nimsgern Funeral Home
- 2023-09-06 [15 steps in the unionization of banks, credit unions - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxNVFBHQzVuY2o2VVFsVFNGWFhvaUJtaVVFOHN2VVNKN04wNkxKTk05QnJpekFIV1hQbG1pRVVLRTNsSnU0ZlVtb0JBZ2hIMjJOa3NOUUg4RlV5UHRQa2p3OWlRT2xRUHNrS3RXeFlRYjVWTGNGUmZvemVlTHRPYXljeV9tSkpCai1HY0I0ZDJDSDZ0SDlQQTQtbDdnbjNiVGFDYlE?oc=5) · American Banker
- 2009-06-02 [Dorothy A. Jablonski Obituary Jun 2, 2009 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMibEFVX3lxTE9lcHo5eTh6aG9TbE9fSEZucHVCY0YtV0dKUmxvVGNSaWlkN0NOalpQdTBrMS1ULUhxekpZR0lkcXNFN2ZFMTRBN0s4Nk1DMldSSDlHeVdUYWwxcHZWMGt0X0hCSVVMcjFHNk1ZYg?oc=5) · Peterson Kraemer Funeral Homes &amp; Crematory Inc.
- 2025-06-17 [Susan Ann Schmelzer Obituary Jun 17, 2025 - Cress Funeral and Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE5yWG9TNTBrdXF4VnJjakptOU81TW9sWmt4Zng5WTcwbjgtaTVmelZLT2tCdVA0ODZKSzQ5cHg2OHhvQ2g2UHd4akx2X0JCaXJYaEstWG1oVy1wNnNGU19oZUdwWHdMVjU3OTZBbXJ2OA?oc=5) · Cress Funeral and Cremation Services
- 2025-10-20 [I lead UW Credit Union. Exploitive overdraft fees trouble me. | Opinion - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiswFBVV95cUxPb0dQSEdRNGc0a1N4d09sQmx1ZlVucXdvb08xRVlBLTdrcTdjWmNEX1dIZWtZUkNDUFZud3NKdjNULW93d0VjZ0RhVTl3ZllUSF9IU1NacHhDNkI1bFpKLXZYNlVKY1ZmbjJyb0NlNVJ2Ulo5Ty1CRncxdDludUZrSEVNeS1jWERDN0VHWHJ4TXBqa1Buc2FqWXJrZDNmRGxhWWludjE5N2lEZExOWUlQLVRzdw?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66461 (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/29.json (key "66461", 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=66461
- 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