# PROSPERA
APPLETON, WI · NCUA charter 66652 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/prospera-66652

Who the members are: state charter, organized 1934. 21,481 members of 970,249 potential (2.2% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $378.8M |
| Members | 21,481 (0.7% YoY) |
| Full-time staff | 75 |
| Net worth | $34.1M |
| Net worth ratio | 9.0% (p15 of band) |
| ROA (annualized) | 0.22% (p17 of band) |
| Total delinquency | 0.25% (p16 of band) |
| Net charge-offs (annualized) | 0.19% (p27 of band) |
| Loans / shares | 95% (p95 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 4.62% |
| Net interest margin | 3.42% (p40 of band) |
| Operating expense / assets | 4.20% (p71 of band) |
| Vehicles % of loans | 22% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 43% (p38 of band) |
| Vehicle delinquency | 0.71% (p61 of band) |
| Vehicle NCO | 0.54% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 137% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 18% |
| Average share balance | $5,967 |
| Participations bought / yr | $2.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $30.5M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $24,253 |
| Loans granted, annualized | $83.2M |

## Participation posture (from the same filings)

Bought $2.2M and sold $0 in the latest annualized quarter; $30.5M outstanding purchased (89.5% of net worth), $3.2M sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

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

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

- 2026-06-20 [Obituary for Richard "Rick" Havel - verkuilenfh.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5uRjNISjVEVlk3UXM3VUtJQU9jLTZoeG9jX0JkLUZHVUhoMEZZRnZtdWp5enFIbklod1FyanJZcXVNN1NUT0ZkLVdzUWo4UFN0RlNvdFJSYmRGVTExeDlUR2lLcVE?oc=5) · verkuilenfh.com
- 2015-02-08 [Prospera Credit Union named VP of commercial lending - The Post-Crescent](https://news.google.com/rss/articles/CBMisAFBVV95cUxOT0kwQmNqbWVuQjlPVmJ5bFZQaDhXdnN4cG9IbDFfbWltMFdrck1TZF9jTWQ1LWhJeUY3d3dnWFVIMG4tVjc1TWI5Umx5YU5ZbFN3cFdOMXJtSGZQZ1NvRTZ2YVhwS1IwWmtzUjNnWG85YjV0YzlmNHcxaUdOX0hHNGN6ekhFdjdCN3NnbEt2cS1oNnQ3OThTOUFzYUF3Zk1NZkZIS3lLTHVJZ1g1SG92TQ?oc=5) · The Post-Crescent
- 2020-08-19 [Prospera Credit Union breaks ground in Grand Chute - WLUK](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOTdVbkYzRUdtN1djY0dkYTlWMWcyQjhCelZfRVZnaElaZzVMdTRYOHRFb0R4b1RDUVZsVlhSdHdJTWlfZ0puNmRtQWVEMDRQZHlYWUd1b193U2FDdl9WNF9zeDI2aThFMENpYWhkNmZYMkdYR1djR1NmQUN5VUdpbGtZUzdwVF8wZ1MyQ0Zn?oc=5) · WLUK
- 2024-02-26 [Trista A. Tomko Obituary Nov 8, 2020 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBDUFV5bGxzZVBieUM3dmo2bzJSOFJPZ2UxME84aDdQM0VLa1lEUUVXSGEyNVpOV0VrM2U2MlEzd2s1RDc5RWVqTzRURFl2RVQ1cjRES2VYTTFzRHhnd1ZGTHgtNG5HVGc?oc=5) · Konrad-Behlman Funeral Homes
- 2025-06-25 [John David Knaack Obituary Jun 25, 2025 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE40dE5VY0NPbms5dTJRd2lFTVJBRl9yZjF3aXpPVUFObDZBcV9ObU4zUXI3Wk90enV6dHU4ZFBiTnJrUlNJNDZDTWtVVUtZeHp0Yl9ZbUpSTUVUd0FUWWRkX2U0N0tjVVlZWW1Z?oc=5) · wichmannfuneralhomes.com
- 2020-02-12 [Chelle (Rachelle) Houle Obituary - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5CRmdLRHIwZ2xhRGJLd0trVXFVbjNFN01WcnlaSnFCV1c0YkpvTEJZckZ2Y1JDUGtmaWg3MzVyb0xlcldqVDlmdW43TUhvWkdFYzZxdlVsbW5Ib2dYZlRMSzJ3?oc=5) · Oshkosh Northwestern
- 2024-08-10 [High School Mascot Bracket Challenge - WHBY](https://news.google.com/rss/articles/CBMiakFVX3lxTFBDUGdFZWQtVVZYTkFCeEYzdzJHLV84TzFDc0J0WUd2OXkwbkF3aVg5NThGREx5dTNlaHAwRm1YYy1yeC1ldzlYd2Q0eXlsZnl6VjJaMWZyMVJQYXJLLXBxUWNMUjJvekdJNXc?oc=5) · WHBY
- 2026-02-11 [2026 Timber Rattlers Promotional Calendar: Theme Nights & Special Appearances - MLB.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPd1N1elRRMjlfWlA3QmdOYU5oSXA1TnB3djZlLU91QTN6TlpXRGs0U3A5UDhyNmdpSzY4VXdDWVFsbEZhRmNFd3hSZ0I4QWY1TUgtTUV5d1d0eGRUdllsZUFTRzVIVEFjMDhsa1dkOG0tZE1Dd0t5Zmk2c1lpNDl4S3FteFB1TVBIajk5QWs0SzlfMEJlSEtNVUNOeDJNbDZZMkE?oc=5) · MLB.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66652 (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/28.json (key "66652", 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=66652
- 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