# FOX COMMUNITIES
Appleton, WI · NCUA charter 66731 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fox-communities-66731

Who the members are: state charter, organized 1937. 140,872 members of 2,859,685 potential (4.9% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *liquidity-tight*. 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 | $3.35B |
| Members | 140,872 (4.0% YoY) |
| Full-time staff | 463 |
| Net worth | $349.6M |
| Net worth ratio | 10.4% (p43 of band) |
| ROA (annualized) | 1.24% (p84 of band) |
| Total delinquency | 0.22% (p10 of band) |
| Net charge-offs (annualized) | 0.15% (p11 of band) |
| Loans / shares | 100% (p90 of band) |
| Cash / assets | 5.8% |
| Borrowings / assets | 10.63% |
| Net interest margin | 3.02% (p30 of band) |
| Operating expense / assets | 2.60% (p20 of band) |
| Vehicles % of loans | 17% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 53% |
| Third-party paper % of net worth | 72% (p31 of band) |
| Vehicle delinquency | 0.54% (p46 of band) |
| Vehicle NCO | 0.62% (p26 of band) |
| Repossessed % of vehicle book | 0.02% (p29 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 256% |
| Core shares % of member funds | 39% |
| Certificates % of member funds | 29% |
| Average share balance | $9,272 |
| Participations bought / yr | $64.1M |
| Participations sold / yr | $11.2M |
| Participations outstanding | $107.4M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $34,219 |
| Loans granted, annualized | $1.17B |

## Participation posture (from the same filings)

Bought $64.1M and sold $11.2M in the latest annualized quarter; $107.4M outstanding purchased (30.7% of net worth), $73.9M sold and retained. Sold in 5 and bought in 8 of the last 8 quarters. Shares 9.3% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, leaning on borrowings |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | delinquency rising |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 1 |  | loans>95% of shares, delinquency rising, net worth falling |
| 2020-12 | 2 | loans>95% of shares |  |
| 2021-03 | 2 | net worth falling | loans>95% of shares |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 | loans>95% of shares | delinquency rising |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 1 |  | loans>95% of shares, net worth falling |
| 2023-06 | 2 | loans>95% of shares |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | net worth falling, delinquency rising |  |
| 2024-06 | 2 |  | loans>95% of shares, delinquency rising |
| 2024-09 | 3 | loans>95% of shares |  |
| 2024-12 | 3 | delinquency rising | net worth falling |
| 2025-03 | 2 |  | delinquency rising |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

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

- 2026-06-18 [Fox Communities Credit Union announces Erin Miller as Assistant Vice President of Project Delivery - CUInsight](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNSVIzWURrenpHU0FxM0psM2NmTDFHZzVSakZnSXFTcnhPY2g5aDlhRllBQkxDYVA1LWRGMGdxZkdSRm5SeDI4czJoWmNsWnlmMXhWSlRSSi14Y1VmSDA2bTVlV2tjWXdrZHFWT3B0TmtUdTZJX19pbGd0MHdsRlUzTnNGbVlhR05ITU5tU0s1UmFsMjUycU9TcjAxMHAyTDZQNzhwTDNtY1VpcFZhb1pORVRITkdIT0ktOVpLRXl6RWhTZFJSSnNzRE9OY05kQ0d3N2pwcThB?oc=5) · CUInsight
- 2025-12-03 [Fox Communities Credit Union looks to 'aggressively' expand in Milwaukee - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdjZra2QtX2JUOEdhU0dZVmNpc3MtYllCV1BWdkEzUTVENnYxYnU5MVZIaFp0YmRDc1JvQUUweDVmOHlPYlRldFJOeUFnZkdka2JGbS1yZW5jUURYbDF1bUlOVzhINDZadURGWGtNT1BsT3lSUXJkRVdDMmF0Zms5a2hZcVRxZVBoTmIxZ2RVbVVySFNqTmJMZXJ4c3NaSElpY0cybWh6TENhQQ?oc=5) · The Business Journals
- 2026-01-16 [Fox Communities Credit Union announces promotions to AVP, Regional Branch Managers - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxQUWhqcmtCT0dzeWY5TjQ5S0tLNnhna2FwRVk3VFRkY0dHRHNLNmQwSVptZ05RblhHT3liQnVRVUc4eTktcjJmZW92d1NTUzE2QU1TZ3JXMVhjZHRrQ3EwSWZha2dQWVZhODh0Ujh6NnJFM0pfRi1EQzVHT1F1Z1FIXzN5R2RFTUY0LV9tZ2ZhajJkY0ZFRjFXOWdfYjV0OXJaMktOczNRV1ZkUWdiV2VyRFlfRFJDQWhZaWFRVEY3TQ?oc=5) · CUInsight
- 2025-12-27 [Fox Communities Credit Union joins Hartland Chamber - GMToday.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxORUdSay1FUWdmZm0zSHY3YTlFTVk5UFhJcm45ZkVaendmcHlSb3NiSGFtMjZEQW1CcU53SnNORWcyY1BIRjlPYUpoWF90RjlpZGFQXzl5ZVdsOHhmZjZJLVg3Tjd0d1FMLW9MZVpYdjRzRlZXbklob0h0ZGhjcVBFVGdnbjgtcmRzNGpjeDF0NXJLdGJ4YWNFbVJKZGpvQnltaFJrRmtLZjNoYk80SDFnYnVCRGFLVVlDRG5YdEtjbk9fUWY1S0I2UldkOTd4NGxENnhRbjNpQXdldw?oc=5) · GMToday.com
- 2026-01-07 [Four people charged in fraud scheme that targeted two credit unions - Green Bay Press-Gazette](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOSGdCbThBQVFXMkYzN2p6ZTNFdkUtRVhpdW81MzlXQ0FVNE5OSGRoRWFsMy03Tm5lUTUtV0t0ZnF3UzhCN1poS21iM3JxN3hkbFhxclBLM0JMLXNuN1JTekZMWWlFSG8zR1kzRFZoejhhMlNlNjRTWDFrM3BHRTVFc25kQjBnUjRtRXVoc3MydDZFVFVpbnc4dFNBOHhrRFgzS0dEU3BySk5HZV85SkV2YldfcDVKaWdvc0xXbHdhZXNzZzFHeDBOX0VtMWxqQVg1aGFtVE9TQU5aUQ?oc=5) · Green Bay Press-Gazette
- 2026-08-03 [Growing financial institution pays $3M for sites in Sussex, Oconomowoc - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPRE54TGhZTHJlZU10YWI0YXYxczJ2dEpPNkxiQ1FlQjZ2YnJIbDVFMk1ZSm9lVHM5bFlBWnN3LWZPRjEtLXBDaTh4MmJNdUJlYlFWYUJRYWp4ek5rcXVMYTFFR2JhN0tPRmd6NFZNQklybnROWlI3cTJSVFhrYUxOUGhGbFNSejNOWjJmblZaWEl3WURLS2NvZ0w0MkQyNlRudDNz?oc=5) · The Business Journals
- 2026-04-07 [Brunch at the Ballpark on Mother’s Day Hosted by Timber Rattlers - MLB.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOc3lLWGU4QkoyYTRLMGFhcmYtWTVNVldLOW9rbDhHRUtLMDF0YTZWSmV0LXlISXZDaVhEUVRycFhCazRrdUNHOTVkMU00eFlDQTV1dldXT1g5djBuaGkyNVdDLUJhdXlCbVhGb3NzenVoRzd5XzRNRk40bVFpNVV1TDdobWZxMnhjMUtIVzA1M2lDMHhI?oc=5) · MLB.com
- 2025-12-11 [Packers legend Donald Driver provides hundreds of meals to Northeast Wisconsin families - WLUK](https://news.google.com/rss/articles/CBMi1AJBVV95cUxQZ1JfMTItbUxnUXhCcmtQeHZWd3ZMbTUzek1taFQzY3FXQUhsRnNQa2JvUmJYVlh6LWhRRkFmZlN2SmVWQThpbU15U3lPVzdFb0V3OFpUanRTMzRQaHpJUWNIUVJGR19MdFNfQ3NRZUxUYndwbnpKeXdxTjFueDRTWkw1M3hiLWMyNFFQemhUenU0aVQwcmptandFejhZTFdKTVRfdV9yLUMyUks5M1I2OTNveC1EaVhQZHBUM3NSZ3ViQ2IzaURoanNHQ0pZWjRRVjlfTnFiTTZlSzV5bi1TeWV5dXljSmFXcjVEQXRncXZUcDJ6dFR0TDl3TWdpXzBMLTVWeERSTVFSZnQxVklIZnZsVDlDc1Fmb1JFVTNZYmN0LTdtSm54MTlGcXNNRHF1QV9LZzRkLVRrYXM2cTRqTmJkSVphZDVXMmhWUU1sTEJUZU55?oc=5) · WLUK

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66731 (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/43.json (key "66731", 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=66731
- 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