# WESTCONSIN
Menomonie, WI · NCUA charter 66742 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/westconsin-66742

Who the members are: state charter, organized 1939, low-income designated. 127,327 members of 3,963,061 potential (3.2% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *fortress*. 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 | $2.20B |
| Members | 127,327 (1.9% YoY) |
| Full-time staff | 407 |
| Net worth | $286.1M |
| Net worth ratio | 13.0% (p82 of band) |
| ROA (annualized) | 1.36% (p89 of band) |
| Total delinquency | 0.59% (p47 of band) |
| Net charge-offs (annualized) | 0.25% (p19 of band) |
| Loans / shares | 80% (p31 of band) |
| Cash / assets | 8.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p77 of band) |
| Operating expense / assets | 3.42% (p63 of band) |
| Vehicles % of loans | 24% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 94% (p38 of band) |
| Vehicle delinquency | 1.12% (p83 of band) |
| Vehicle NCO | 0.74% (p34 of band) |
| Repossessed % of vehicle book | 0.02% (p31 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 137% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 21% |
| Average share balance | $6,672 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $16.2M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $19,863 |
| Loans granted, annualized | $628.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $16.2M outstanding purchased (5.7% of net worth), $13.2M sold and retained. Sold in 6 and bought in 2 of the last 8 quarters. Shares 7.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-09-09 [WESTconsin Credit Union Gives Back to Local Families with Shop with Fin Lee Fox - baldwin-bulletin.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxOQ2ZfT3BQTDlLTUFWRXJFZ0VzX2x0dzU4UDBXNTd1aVNMT0lzbmppTEUwdVkySFVNRU1nenFyOFl0YXNnVnkwRGpiNXZIcnhCSzVCTHdCSDNOci13bHlPVzQ0UUVqZlJBeTlkOHgycEhZUEhjSXZvM0lYaDFqZE1kRWFoMEZHN2FvbnVyS2xJek9PUGFEbG9ZSlpKS01FOWxVTWZXYjZCam51eHp4WE9sUUIyNW4tTm1UdEVGaDBlRFZ4RFhfdHlVU1Y0bXpXcmZvQTF5dnhqRC0tSEZEeXpFWjdrci04Y25ma2lWSktjdE5UMFpOU2o4eUVhaw?oc=5) · baldwin-bulletin.com
- 2025-12-05 [WESTconsin introduces two new regional vice presidents - apg-wi.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxNZ2hqZkVjdVdBSGNFOUdpVGo2a3poNWdId1QtMDY1c0FaaXB0SDFlYkhXeG9WSHBSbmRoLWlCZ3l0X0Jrb0JwVTZjdUUzOFlXWXVwNXlBakVDMmhmbUhEOFR5R2JEa2kyR05rclVwM2dCVHFXZHJxeG1tbVdBWHFmLXhRbVZlTjJLeG1lbjJtOWZQcDFsUUNZZ1o5cXBEdzdzX1NocVpCY0JNU09OeU5jaTFvbXVPcTdmdkJDQnI3OGRDbW00bmVFdENrSGxoWlktRTBKWGg0c0xFWWlBU3BsUklGTmFWejgz?oc=5) · apg-wi.com
- 2025-10-10 [Jury finds Eau Claire man guilty of robbing area credit union - WEAU](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcHFJcEtQVWJkaU1lYk5vVmFjQU5jOVpfaHB4VFZzemZOLUJnV1VWOHR2eUxPalltWG9kRnRjNXc1VGN6ZkJXTWdPdzNtNl9wUTlTS3lSZV9NLTFjejFTWXJaNWR0NjJReEVmc3k5WlRjb2Q3bklsVFlHZzFiZ0d1c3ZCcklkbmVldWdJRExNalR1ZUlpdGfSAaoBQVVfeXFMTUduc0dkV0c4VVBGb0hUZzN4WWJYZXF6ZU14OUhZbUZDRDJqY2FHdWVIYUdmMGhDUW1pNmt2NkFoNWdSdHlKcWxHbm1WRG5DaGo0dEVuNUF1N1Y0SkdmbWF1YVRvQW9LM2l2ZmpLZkVaSF9LRUwwR1otZVA2SkI1aTZqQ0x6QTF5TzRldWZULVdvakx5YmI0SlVISmdqX3JLLTdlRTJ5TjJrMGc?oc=5) · WEAU
- 2025-03-25 [WESTconsin Credit Union recognized as Debt Relief Advocate - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxOWEZfN2JFN0JZQllpLXhvX3gtbnNndGpCTWMyT1JxRlk5dkJMaGlibkU0dDBvN05WOU5hc3ZOWGZnZ2pDcGlLQjdSaC1Wa293b1UwYWNITXJTUTA5RWt6dzVuclU0MlBxc0t5ZW5pVk1OaDloQWVHOEdxSWZfVkFxcElqQVNsakNWT0tmREFmVnNiUGZXXzhLN083NVZjdS1I?oc=5) · CUInsight
- 2024-06-04 [WESTconsin Credit Union promotes Russ Blasius to Chief Operations Officer - CUInsight](https://news.google.com/rss/articles/CBMitAFBVV95cUxQT3c3OUpWVFZodWFvNlVUT1FtNmsyRHpHTjNkWHhJTnpnQkdCT0FjTTN5bk1PeXJhZVFHbVB2SHgzbXdkSGVwRGlPdU40WFpXajVpQjNwWktmWG1pWWd5WXB5eG9icVFKRUVjMnpLNWc2OXQ1LUtLbTZvbC1OckRZbXBhelNWMGZ2bFBWT0c0S1Q3WG04aG9LNXBnUXh2VEZrTVJUV3FPVlJzeV9FaHppdDJldjM?oc=5) · CUInsight
- 2023-05-25 [WESTconsin Credit Union Holds Summer Food Drive - WEAU](https://news.google.com/rss/articles/CBMihwFBVV95cUxNc3ItcFhoblJzZUh5QWp3N2pnaTBRdEtpRzFUQzNXV2tIb2RpeGM2dGllbm1ETEhQVzBRdWxlRGwxbnFuZi1SaG5qbWFLYUJHQTZHTnd5YnhjTnBpWGR3VmdrZ3dxcXl2S0tTVzRaV0Z0Z1E3dGxYOUVpWUVOZXpocmVIa1ppTmvSAZsBQVVfeXFMTU1rRkNyUjl5NjczRlhUWGR1d1ZHRnpHM3VIMzZsSUUxRkZGX1FBbGZXRTJrNm5QZEp3SXktNDRqcUhkdnJBemNrM1NFc2tQbGRqWFo5bjB6YTdfRUF5QmRXQnNkc3FIMTYyNTZYWGRyX3VtUW9jUnZYRjRTVEJlek00TEhWTHVfWEFEUkNSdlh6ZE5XQlNTMGFEQzQ?oc=5) · WEAU
- 2024-03-20 [WESTconsin CEO Benrud to Retire, Hand Reins Over to Wookey -... - Volume One](https://news.google.com/rss/articles/CBMinAFBVV95cUxPM19SNXBDdWhDeTFCMXRYWTBrcFVBRnpjLWNGSkVRT1M4MHYwX05rbE9tZHFDNlprWTNKQlg4cjQxaWdzRWswb3hQLW51LUVfaGxUYTczaml0RVhHRTk1Skx0RDRteEVHNDY5V1lORDdYTHNFZmRNZlB4N2hUYVNYbkVMNFFjanRacWZoOEFaM1JEdnBiSmRGR1dLT2Q?oc=5) · Volume One
- 2025-09-16 [Crime Alert issued in Western Wisconsin after attempted check fraud at credit union - vernonreporter.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxQQVNDekFzbXhoSGoyMW93Q2l2elZPbzZobkU4VldCb2ZoQzM0Rkg2WUwyVlEzQTNpYWU4dFprdkVNX19UV0F4X3lZTV9Wbm5LNmpzaWxoaVpvUnRTbGNEMmdXMlNYMTR3T0wySXItZGRlVUZtNnZNY0xJLThmcUdBR3RnWDhneHE0dzRHbUpuVmRvMVJFTHJlbGc3dTBfQlVpZ29yUHpTM0dIdEprZlFLcQ?oc=5) · vernonreporter.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66742 (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/54.json (key "66742", 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=66742
- 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