# CENTRAL WISCONSIN
Plover, WI · NCUA charter 66513 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/central-wisconsin-66513

Who the members are: state charter, organized 1948. 3,596 members of 250,000 potential (1.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *ordinary*. 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 | $55.2M |
| Members | 3,596 (-2.5% YoY) |
| Full-time staff | 8 |
| Net worth | $5.8M |
| Net worth ratio | 10.5% (p26 of band) |
| ROA (annualized) | 2.06% (p96 of band) |
| Total delinquency | 0.17% (p17 of band) |
| Net charge-offs (annualized) | 0.00% (p14 of band) |
| Loans / shares | 64% (p54 of band) |
| Cash / assets | 37.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p58 of band) |
| Operating expense / assets | 2.22% (p9 of band) |
| Vehicles % of loans | 16% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.50% (p46 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 44% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 16% |
| Average share balance | $6,947 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.5M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $27,105 |
| Loans granted, annualized | $8.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.5M outstanding purchased (43.7% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 7.6% year over year.

## Flags firing in the latest filing

- **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 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 1 |  | margin squeeze, delinquency rising |
| 2022-03 | 3 | net worth falling, members leaving |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 1 |  | members leaving, delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising, assets shrinking | thin capital |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 0 |  | assets shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising |  |

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

- 2025-11-21 [Central Wisconsin Hmong Professionals announces 2025 Professional of the Year Award recipients - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNS212THhJei1Hbkc3RldwS0FlbEotZXJncTBaTUJFM2dDN3pkVGZsNTQxdUh4M3plVGZVYzhNbF9oNlpVNWtySk5JRG91N0FSTVNpYTZxdTBhLWtxaEJQX3BEOUdDb0VKVXpZcjUwZWZ2VlRaNy16WTBhakFmNFJyN0xrV2ZtekJEUEVlYXVJYzFURlVOVVh0UzdYdVNFeHByc1N0ZmFvUk9WTnZYNEwwRHpOUGFDTFlOWms0YnNVVlIwbU9mdTB6STVDN1UtT2h3RHkyakNB?oc=5) · Wausau Pilot & Review
- 2026-01-30 [Gretchen Yach Obituary Jan 30, 2026 - Pisarski Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE45WU1QcWVhem9aNXk3dXR3aXR5OHdENDktSFpNckxRYU9aTzYxYjd3NjRGOEljd25LM1JxR1dHTFVqZGxKeEFoNVU0QXZtdEozYk5CRWowdUZueXVWTVdfMXRSR2NCb2Q3SFE?oc=5) · Pisarski Funeral Homes
- 2026-06-03 [Daniel Ray Brost 1955-2026 - centralwinews.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWUJPUXpjYjNUYzBFSlFUZDhJZFl1SVZ5WlJ0NldPS2U5VU5sdEstZVBWaHRvMDNVaXB0SWNoNzdjN1J4OG5wM25yTWVvMDV5Qkp2Mm4yeE1TWERIak5wUlc1UzFfcHBKbWdZVHN6VWFrMXNuU29yLWJxVHJXb1NwMWdLR3gyVl9ONkF6QlBMLTdBai12aTI5eGpsS21vUVE2anVyOFpjbDU?oc=5) · centralwinews.com
- 2026-01-10 [Park City Credit Union to open new Wausau branch this spring - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiygFBVV95cUxPa1k1aEkzeVdWRFV5Ri16bkozU3RYVk5HRU5XZHM0cUFmVm1TQkxZclNkb3lWWmFjV1FRU1hwdk5aZWI1RlBlb2NTU2dVR1c5SmFfOWRaV3pQOWJIcFZwWmtMMmJpSjE5ZlBUSGVTSXhnMHZoOUxLWEJaZGVqNUJMRElGbDZ4Vkt3NnJMSVdiRzZVbmhraGNKSFpMZklBYmlIUjNVUm9TSS0xbXhRWDF2ZGxaT1FjNXJBeGxrR0NLVllobDFGR0hIRWtn?oc=5) · Wausau Daily Herald
- 2026-01-28 [Centergy names new 2026 board and officers to boost Central WI growth - Wausau Daily Herald](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPSTF3V1BRVDV3WUtyYkFqVzZhVDAwd3pfQjg5YjZCdHM2RzVQZWNNOEFuZkY3RDBoajFOZkFUbmVtQ0EySGV4a2ZsbVlVQldfd0E5am9KZ0tTT21xVkk0VDJfSV9uUUR5cXJ6Mk9XMVZ6QjZabDlUYjhIcU5xYklPcFItQ3ZLS1E1dXdpT1Jnd19UOTFPeExnZWFsVEpCQU5QS1FwOW1ZeGZaTTRraU9TaFBsUFp0cWRTWUpMeG5KeWFBVnVTR2VWMFpOS18zc0dGOU9STzFPdTJadEZvc3BJ?oc=5) · Wausau Daily Herald
- 2021-07-04 [RCU Merges With Medford-Based Credit Union - Volume One](https://news.google.com/rss/articles/CBMilgFBVV95cUxQX0lLeV92ZlY3TDY4NFh4cG0xMFM1NmFYV0VRUGVXTEI4SDdaMXM0QVJMc25Pcmw5Tzl0N2RUS0VWd0xwREp5NEdtbnJaaFVzakZaM2dfV2dnRmgzaXgyUHdxWFpxeXN4T1NRSXhWUkxNVUhDSzhtSWNneEl0bGNHZ25YYUtfZTBxNjd6blVPYjdmLWhtTGc?oc=5) · Volume One
- 2026-03-11 [Credit union strikes deal for Wisconsin community bank - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxOZmFfQ1BuTmRUdHV0V1dqZ0xNZEl5VjdoZmJOTHhMWkRiVHRFSDJlal9ZaWJHZ1JZcUdFTE1zOWZnVWJDZmgyMTZLSFBOMWt5aE92amZ6OVFyam9taExmWVUwT2JOblJDTkhpRGtWdmNON2lmQXh1T3dlVmVaT05YLWhCOFBTN2h2T3FlQUdWdnZqNE5N?oc=5) · American Banker
- 2025-06-18 [Merger expands Park City Credit Union's reach - Wisconsin Rapids City Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcHNzdEhRNWZ5dVlmaGlwd0ZzZkt3Qmc1Ukp6UVg4eHl6Y3ZOdHNscjF2S2ZPeU9UM0RGWWNnSXYyYXd6UkpfalpTT2xkdGc3cFA5S011ZDdFbXVhNDQ3bUJvU0xVQU5YN3UwdEVZZFpsUzhhNzZFd1YzU3ZtMWtPaWd2YlcyLU9IRWI4?oc=5) · Wisconsin Rapids City Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66513 (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/17.json (key "66513", 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=66513
- 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