# MEMBERS' ADVANTAGE
Wisconsin Rapid, WI · NCUA charter 66633 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/members-advantage-66633

Who the members are: state charter, organized 1935. 11,192 members of 150,000 potential (7.5% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $183.5M |
| Members | 11,192 (-1.6% YoY) |
| Full-time staff | 26 |
| Net worth | $34.7M |
| Net worth ratio | 18.9% (p94 of band) |
| ROA (annualized) | 1.69% (p91 of band) |
| Total delinquency | 0.14% (p11 of band) |
| Net charge-offs (annualized) | 0.26% (p41 of band) |
| Loans / shares | 82% (p76 of band) |
| Cash / assets | 15.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.92% (p65 of band) |
| Operating expense / assets | 3.07% (p28 of band) |
| Vehicles % of loans | 29% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 41% (p53 of band) |
| Vehicle delinquency | 0.26% (p27 of band) |
| Vehicle NCO | 0.61% (p54 of band) |
| Repossessed % of vehicle book | 0.08% (p76 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 13% |
| Average share balance | $6,489 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.2M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $16,574 |
| Loans granted, annualized | $34.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.2M outstanding purchased (6.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -1.8% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | loans>95% of shares |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | delinquency rising | loans>95% of shares |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | delinquency rising |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 0 |  | margin squeeze |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | net worth falling |  |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 0 |  | net worth falling, leaning on borrowings |
| 2023-06 | 2 | delinquency rising, leaning on borrowings |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | leaning on borrowings |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-11-06 [Crime Stoppers: Plover police seek woman accused of $7,800 bank fraud - WSAW](https://news.google.com/rss/articles/CBMinAFBVV95cUxQanpXYUlWSXZ5OVYxR1BBR0lTd1doMGdSTnJTWkRkcFc1VklCQmgtMG13cUJLNjFrdG9SNXdRd3hhSG5QUVYzMHEwR2hkXzVvamxKaG42Qm1DcWRyMEppdFJRV0xkY0kzMzBNNjdCTk1wbVZOUEJsdlZhSkgwMER5S1YzNmhDRnpIcFh4R2RfTjJXLWVOX1RVYXd6MGrSAbABQVVfeXFMT2NzWWgyVzJGZDNHUGczLWZaY3hkTk11aHgySDN0QUtXTWd6QW84Mk9nZDM3MWlvaHNlVVJIUVNQT0EwcjJEVV9PZG5Salc2UnBTLXBrR1VNZnhhS2F3cHZlb3A3NV9VYlZnNm90YmluaGx4dlZYWEFKQTlJcHFuMnVqQktPSktWSmM1cjZCdlEyeFZ5MFQ4UUhOa3FadGVfWDlvbk9YV0Q4TEZDdlVyc08?oc=5) · WSAW
- 2026-06-08 [Check out the 2026 Lunch by the River lineup in Wisconsin Rapids - Daily Tribune Media](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNWUdTY3RpejBTS3BmV2NOWHZtcWx5RXJIMzc1b1NDRWw3b0lJUW5fRHI0Wng5ZmtNdzhvRWZJbFpSNGFkZ3o3SjZSdDVmV2pfemJORG9YMjNMM3VqM1ZUVHhPVVVtTFk5V09Lbmx5TzhuVFRsdDNmQ3N5NFdIdzZsQ044MFR0ZlZJNG56dDhhdjFMUUNXNWZFUnM3YmY3R1BzVmswQW5zRmJxS0t3bjJkLWNEOHNVY0RFOWctWEx2cVpJdFBJWlI1YUhPV2NTZDVJdlNDR0NMRnhubTliR3NlYVVyUldlQQ?oc=5) · Daily Tribune Media
- 2024-10-02 [Mission Coffee to bring Northwoods-themed "12 Days of Christmas" to Plover - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMingFBVV95cUxOZGxWLVIyY1Jvc3hmN0V4MWtHanNtRWZSMXAtNVg5LXhsSERlLU1DcUJwN0cxM3lHeVRWLVdmY0loSTNGeXI4UFBZbW9CTFduY2Y0Z3VRdXAzbWpKLWpRbFdwTW8zWUJiRm9faFBNcDRJclhrYWRGTTN4eHFpazNpM1NYNXhuai1UVDlvY0JneTZYTFRIUWRkV253N3c3UQ?oc=5) · Point/Plover Metro Wire
- 2021-10-01 [Faith Frank Obituary (1930 - 2021) - Wisconsin Rapids, WI - WiscNews.com - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQNm83enlvNUZwVHd3R1JIbllEOTlhdWNhVXFtQmEyQkZjNm9vZkw0bWZTWWlIc3cxU2p4aGc1RjBWNHhIY3VyUlpBc2w5NTZnNnNyZ1NsaTMyeG54UjBicUpJVE9wNHJXRTRTR0w5bFc1S0JYRXlvSlBQU3E4RkVBMFBJZE9SYUNNbktN?oc=5) · legacy.com
- 2019-03-15 [Readers share photos of Portage County flooding - Stevens Point Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOZ2plelZVUHE4TjVDRThjdnhUd1ptN3FRa1RmVEhpWEFoWWU0NjVKam9ESGJQTFNsdzNnTGJQdm0yV1FjZWo2T2pSWVRLLW1qV09IUTlYZWVWMXpsMWItal9FamhLYmJRZUgtV1J5ZU93akM5TkJPRW0xbEkxUEFwcTNmSjdhblRDTFBGT1NjbmxIVDg2eHVpeWQtdnU0M2dndThhWk8zc0JtUWNQUkhPOHd2OXpGRHJUUmNKMExQbEhXUQ?oc=5) · Stevens Point Journal
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - androidpolice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66633 (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/9.json (key "66633", 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=66633
- 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