# UNIVERSITY OF WISCONSIN
Madison, WI · NCUA charter 66492 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-wisconsin-66492

Who the members are: state charter, organized 1931. 391,476 members of 1,100,000 potential (35.6% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 109.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $6.60B |
| Members | 391,476 (5.8% YoY) |
| Full-time staff | 840 |
| Net worth | $602.1M |
| Net worth ratio | 9.1% (p16 of band) |
| ROA (annualized) | 1.25% (p85 of band) |
| Total delinquency | 0.56% (p44 of band) |
| Net charge-offs (annualized) | 0.54% (p53 of band) |
| Loans / shares | 80% (p33 of band) |
| Cash / assets | 8.1% |
| Borrowings / assets | 3.03% |
| Net interest margin | 3.50% (p62 of band) |
| Operating expense / assets | 3.23% (p51 of band) |
| Vehicles % of loans | 27% (p51 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 159% (p56 of band) |
| Vehicle delinquency | 0.75% (p63 of band) |
| Vehicle NCO | 1.20% (p61 of band) |
| Repossessed % of vehicle book | 0.02% (p30 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 36% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 18% |
| Average share balance | $6,789 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 109% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,764 |
| Loans granted, annualized | $2.66B |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | thin capital |
| 2017-03 | 1 | thin capital |  |
| 2017-06 | 0 |  | thin capital |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | 3rd-party paper>100% NW |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 2 | leaning on borrowings |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | leaning on borrowings |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze, net worth falling |
| 2021-09 | 2 | charge-offs p90 |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 4 | net worth falling, leaning on borrowings |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 1 |  | delinquency rising, leaning on borrowings |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-03-23 [Universities of Wisconsin, UW Credit Union launch free short-form online learning series on Artificial Intelligence - Universities of Wisconsin](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOLUNBUDZkNUM1SlpOM3g3WXVWX3ZRVDVVSFQtNnpQM2dDX25DZTBURTk0SUU0LThTWHRPUWVkVTJ4Q1JwR2pTY2ZKMlFNS3YzaVRSaXRCak5McVZsbDdFalY2ZzlXZ0NBRmNjRnJnVnk4TmlLTDVCSUk5X05KQkJjdUlYd3M5ZXJORDI2aFZ2SWZJcWdPQUdyOGx2UUFDb29XRHJNWS1kclNJLWd4blJIZlB0S21TYWU3RElNenoxMVhISUJKM1hHWkFBMURKS0dBUWZDZDJFNW5oTUVMdk9fcjQ2UG1OZFFEaHc?oc=5) · Universities of Wisconsin
- 2026-05-19 [Brookfield office property trades hands for $3.6M - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWlVhMFRjT091M2pPSXdEQi1BTnFvTDhBOXBkbzNiQ1hDRzcyakI1STVoTHVQVVoxbWI2UjFESThsemVzcVNSalJwN0U5SDM0aUt0bTNXaXdyWFZwTHNkVWNMSEJGWHFyVkY0MHZvQ0Q3QkJlOU1WaUFJcUNmTi1vUFp0cmRIQV9fdXJXUUtqZWpPU21uMEQ3bXg0c2JQVzdPOU1QTlRB?oc=5) · The Business Journals
- 2026-04-29 [UW Credit Union welcomes new chief financial officer - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxQSWxlX2RPS0J4V0dDdWFkNzh2VVVteUtUTGEteDB5RTBUbHo0c1NZelFRWlg0SkoxdEo3LUxKNk1iSkZ1UWticV84T1VnQm9fV0Q2NVU5RVp4b242TWRVZ01IblplOVJWaE5ZYVpPZnktNXNoTV9Nem9OdXNKWFhIVzNwSmNnU0xWZWc3VXgwOUNjRmlLSF81SA?oc=5) · CUInsight
- 2026-01-26 [Community Capital: How Credit Unions and Universities Partner to Strengthen Wisconsin - Universities of Wisconsin](https://news.google.com/rss/articles/CBMizwFBVV95cUxNTHV1UmxibmNYUU4yU1lTTDNGSXMyNDVfZGY5NjRtcjFXUjdqek5yWWkxdFV5RHhBbS1QYnMzVndCcW5xRExjWlZnUVQ5UlhXSldYMzhkTVcxNHg1d3FtQ1lVejJaV3FjVVJaalBfS1VxejgwWDUzdmNtN2ZSSnRmcmpoQ05UM20zUHpEQlprNG5pTXRYSmtxbVBORENXLTlFMk90UmZuenFrbzEyS1lCT0hOUjQyQ1dzQ2RyYVlSSWZrakxtWVc1OHB2Y2RKYVE?oc=5) · Universities of Wisconsin
- 2026-07-05 [William Boyd Obituary (1942 - 2026) - Madison, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQTDQ5eW5LeUVDRkFLSF9xUll0bVBDRkZzZmtWMUtMVEt0Slk2WHIyNEdnclRmSUVJZG40Q1FwX2FRRmdVQ3VFSVNaN1ZFckt5TFZkcXFHaEVRWmZ0ZDNDNFF2bnNpTnczM2UzZ0MxTGYzbDZQWkNSWmc5aXJfZzFpWmlxMkxIald1MzZ3?oc=5) · legacy.com
- 2026-05-13 [Gerald Jerry Tiedt - Herald Times Reporter](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBiS3lWV2xTMjBYOG84X3dyQUE3TDJzQTBYTENDODljU3NyNGlabGExUWk3aDMyWkpFdnJzdXJzZUFlMnIwZFg1dVFBNlVQZ1hzQUxldHlLbmJBQQ?oc=5) · Herald Times Reporter
- 2021-03-03 [UW-Madison extends campus banking relationship with UW Credit Union - UW–Madison News](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdjlFTXBRYVEwT3l0Y3lzWElfNTk2dWFTaGdqYUlXRHFnUWJEWDU2ZmRySVpfMUVyYXNodHNPRmZ2clcxYmJya3VUQW54NE54S3JYUjV0M0FMbXF1WmJuZ29LeDBWenFoSTR5TjRhdDZlUDRoYmMtZW9DMldaeFpfYkpMQk01cGR5VGdOckd4VFIxZ2ZR?oc=5) · UW–Madison News
- 2025-12-02 [Gas station site sells for $4M to growing financial institution - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxOSHFjc0pNZVlQcXNvY0w2bFljQnlTTzFvUUEzdlBQdXl4TVluU2RITWtDWldVUVVjZGFaMm5NUEZ6MVlsMjE1RWhadU5GTzlnNWQ0V2xlTGFfeEI0S2NOakliY0lHbDA0THJ1RjNJRm1maFVnTjhVZnRZemY1amhGVGY0a0l1V0RRSjRSekFQekp6UThCWkFsZVVLbExoMHp1LTNCeF94UTNpZzVKaUE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66492 (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/60.json (key "66492", 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=66492
- 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.

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