# BADGER-GLOBE
NEENAH, WI · NCUA charter 66750 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/badger-globe-66750

Who the members are: state charter, organized 1947. 2,500 members of 614,000 potential (0.4% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $53.4M |
| Members | 2,500 (-1.4% YoY) |
| Full-time staff | 12 |
| Net worth | $7.2M |
| Net worth ratio | 13.4% (p57 of band) |
| ROA (annualized) | -0.40% (p7 of band) |
| Total delinquency | 0.49% (p42 of band) |
| Net charge-offs (annualized) | -0.20% (p2 of band) |
| Loans / shares | 66% (p58 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.76% (p10 of band) |
| Operating expense / assets | 4.18% (p71 of band) |
| Vehicles % of loans | 25% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.04% (p71 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 68% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 24% |
| Average share balance | $7,791 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 145% |
| Average loan balance | $16,923 |
| Loans granted, annualized | $18.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 3 | delinquency rising |  |
| 2017-09 | 1 |  | members leaving, delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency rising |  |
| 2019-09 | 3 | margin squeeze | delinquency rising |
| 2019-12 | 2 |  | members leaving |
| 2020-03 | 2 | net worth falling | margin squeeze |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling, margin squeeze |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, members leaving |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 1 |  | members leaving |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | delinquency 2x band |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 0 |  | assets shrinking, net worth falling |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | members leaving | delinquency rising |
| 2025-06 | 3 | delinquency 2x band, delinquency rising, loan book shrinking | members leaving |
| 2025-09 | 3 | members leaving | loan book shrinking |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising, members leaving |
| 2026-03 | 3 | net worth falling, losing money, delinquency rising |  |

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

- 2022-07-06 [Badger-Globe Credit Union welcomes new President and CEO Annie Hutter - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxOMHlQYVM3YXpibkFEX25NQ2tRSVhxTjVDZHd1YWtwTnNhX28wTUNFUEFtZjFKdTYwOWFjTHVZRkVLNXRvYmFzNkgwS1NtVDQxLXlEMU1KOHNGX1B2QmJ4bXBpZVVEdHF3U00xV0RucnZYUWhiNkU3bjJ1TjlnN0x4ZEdfaTRKaTBUZTVoZ3JvdElJWDdqNnF0Q3g2ZTN1X1hYQkZ6ZE1oSHVBamVDZmZJ?oc=5) · CUInsight
- 2016-05-24 [Credit unions offer Shred Fest in Fox Valley - The Post-Crescent](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNU5SbTN6VlpTT0R6UXU5VTFqbUlUNXNid3A0alFReW51eHBtaHYyd1BvdUpaWnJ0dGZYOVNjeXJFaHkyVU8weUI3WXgwZ3l1ZUNSV0lvNWhfWlhPRUUwUThKczRjY3JQRUFkOXRTN2c1MzNsMG1iWm5Md2dVV3BDblZldTBDMDVFOU1td1RmUmZwc3FZc3hqbEVKckZzbGkxNlFXSjFn?oc=5) · The Post-Crescent
- 2022-05-14 [Jeanette (Kellogg) Schaumann Obituary - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiYkFVX3lxTFAtVkg3VVZ3TGswWmtBRVVnN2ZNWWRxemlWN1dWYndUSDRqOC1ZMGRWVEU3dzZUSkZ3SXp0cTJ2bFE5RjVFU1FWRlVxZjZVLXc3YnBBZUdyRjROWlNiSVBJM25n?oc=5) · Oshkosh Northwestern
- 2008-06-26 [Andrew Aj Tridento, Jr. Obituary Jun 26, 2008 - Twohig Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE0tQVliMlNQQTFORjJUanJCLWZXRDJZRDc1LTV6aXF0OGxHNXZIUUVYUTM1dTVVWkdpYlZqOFNwQTFfekNOanlhaG55QThCeFRXT1RzQ1dRcUViTm56c1E?oc=5) · Twohig Funeral Home
- 2008-04-26 [Robert F. Linskens Obituary Apr 26, 2008 - wichmannfuneralhomes.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5FSTMtNTNFZGdzVzNHcm5Kc1JBc0hOZUtUaG4zZldTY1ptR1JOMEYyaWY2TWEtSVlnWVV2RV9jX2xuQ3hkaERwaWd4ZTdDSF9JRE1IbzFERTg0dlNLbWJBck53N0xjamwzMlJQUG12OWxnYTA?oc=5) · wichmannfuneralhomes.com
- 2013-10-30 [James Kuborn Obituary (1935 - 2013) - Neenah, WI - Appleton Post-Crescent - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYklPVWFxeVVtTmNyb0J5cHdQQUoweFlJRFdFSlFYZ0tGVVEwaE5tcy1NRzgxM0xzOUNYODFLWElYenE0OWIySlZ6LWRPNVJwSHR0X1hZaFF4bjVyNVJwZ1RjWWg2YzZHVmVlWDhRU080Wk5DMXY2SWdwajlqakdGMk5ReUY5d1pqMlRUdmM3WG5Wdw?oc=5) · legacy.com
- 2023-05-17 [Karen A. Keck - The Post-Crescent](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1TbWQzZ2JHV0NrMjFNZWMxQ3RhNkdYVnVVUkZaanBmRTdSZ3RaUGZsTnNpbmo0akY3d3VLWHFwVHJzSS1Ebk9DZ2NvVWZTb1hQREwtclg3OGtzaVRwTlE?oc=5) · The Post-Crescent
- 2016-03-23 [LIVE: Fox Valley closings and delays - The Post-Crescent](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYWxqVXFmMk9HQlFHejh0NV9NZ3ZLamlteUNPQTl3amxKZVlnVTg5QUt4MmtJNzRXREE2ZXE1NDFuZ2xnMGFsTXdMN2kzUnk4VXhqcnhlNF83ZXdaWUNzRDlXaDZTbG91eUFVQ180UnZncnhJWEctMVNwSVhVcjVKaUFMWVRKR1ZjSXlpdG9VcWZxbTc2ZnRIbk9aV2RsMmtp?oc=5) · The Post-Crescent

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66750 (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/62.json (key "66750", 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=66750
- 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