# OSHKOSH COMMUNITY
Oshkosh, WI · NCUA charter 66779 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/oshkosh-community-66779

Who the members are: state charter, organized 1936, low-income designated. 2,123 members of 5,000 potential (42.5% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 75.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.4M |
| Members | 2,123 (-32.0% YoY) |
| Full-time staff | 6 |
| Net worth | $2.2M |
| Net worth ratio | 10.9% (p23 of band) |
| ROA (annualized) | -0.39% (p17 of band) |
| Total delinquency | 0.54% (p46 of band) |
| Net charge-offs (annualized) | 1.56% (p90 of band) |
| Loans / shares | 85% (p87 of band) |
| Cash / assets | 18.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.13% (p88 of band) |
| Operating expense / assets | 5.14% (p81 of band) |
| Vehicles % of loans | 66% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 196% (p99 of band) |
| Vehicle delinquency | 0.27% (p42 of band) |
| Vehicle NCO | 2.16% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 15% |
| Average share balance | $3,678 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $9,702 |
| Loans granted, annualized | $7.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 4 | net worth falling, losing money, charge-offs p90 |  |
| 2017-06 | 2 | 3rd-party paper>100% NW | net worth falling, losing money, charge-offs p90 |
| 2017-09 | 3 | delinquency 2x band |  |
| 2017-12 | 3 | delinquency rising | thin capital |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 2 | thin capital |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 1 |  | thin capital, net worth falling |
| 2019-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 7 | thin capital, net worth falling, losing money, margin squeeze |  |
| 2020-06 | 7 |  |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 5 | auto monoline | delinquency 2x band, delinquency rising, net worth falling |
| 2021-03 | 8 | capital below 7%, delinquency 2x band |  |
| 2021-06 | 8 | net worth falling | margin squeeze |
| 2021-09 | 5 |  | capital below 7%, net worth falling |
| 2021-12 | 4 |  | losing money |
| 2022-03 | 5 | assets shrinking |  |
| 2022-06 | 4 |  | delinquency 2x band |
| 2022-09 | 5 | delinquency 2x band |  |
| 2022-12 | 6 | members leaving |  |
| 2023-03 | 5 |  | members leaving |
| 2023-06 | 3 |  | thin capital, delinquency 2x band |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | delinquency 2x band, loans>95% of shares |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 | members leaving | delinquency 2x band |
| 2024-09 | 4 |  | loans>95% of shares |
| 2024-12 | 3 |  | assets shrinking |
| 2025-03 | 5 | net worth falling, losing money, loan book shrinking | members leaving |
| 2025-06 | 4 | delinquency rising | net worth falling, losing money |
| 2025-09 | 3 | assets shrinking | loan book shrinking, delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 7 | net worth falling, losing money, charge-offs p90, members leaving |  |

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

- 2025-06-17 [Eleven UWO alumni to be honored at 2025 Alumni Awards Celebration Homecoming weekend - University of Wisconsin–Oshkosh](https://news.google.com/rss/articles/CBMivAFBVV95cUxPTHpoVkdUdkNySDhoc2QzYk5ORTA0ZWlOZUxNeU9DNmJ1SXFQblA0UmR6ZFZhZUg3UzZQMThyRlV5cVNRbnZGR2s4U3RLQ20xcC1RZjJJd3hFNFBocFZPdnBITUF6d0NmUWswNENyeGlwTTdyZ1dWUkJNVmNPNFZoWVgzN2tuZ2c5V1pwQkhjbGxGejM3S29ZMjg4djh3M3BWNm5IQ1lqRVBvSzRBa01iMnJZRUNiMHh4UmlyVg?oc=5) · University of Wisconsin–Oshkosh
- 2026-04-15 [Here are some Oshkosh-area business changes to start 2026 - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMivgFBVV95cUxObTBGN0RlYzByd3dWdmg3OHBSSWE4dERBU0ZNTkNGbU5KRHo3NG1Bdm1YY1h2RGRRbFc3Qm1PM2YzLUtpUW9meUxZOElkZDZfRFJKWmU5NmhGQzZCUWJFa0liZWNKU3RYY2VTb1BsWW1IR3JQaWNWa3NqVVZ3c3dPME9VdlVxZ01kZzBQNHF5NzhLdzNmREliekpadkh5ZTVMOWxtQng2VFQ4VW50ZUZfVjh4cGNDYzFDYWZYa3ZR?oc=5) · Oshkosh Northwestern
- 2025-01-31 [Terry Wohler Obituary (1948 - 2025) - Oshkosh, WI - Oshkosh Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPazlqX1NYZzVzTmRvWmlRM0psVjQyUXBubDRHNTE1aWdHdlRtX1YtVVBNWHc4TGE0cm5pdWFyQVpaRmFqTURRVms3ZjFWdlg2eVVrVDhHM09BeHFsRml0aXlzZXJqSlc2aWdEM1Y4Qi1XV3VtNmwzZjRSWWJ0anlSTnVZMWprek0tR041UDZRblo5Slk?oc=5) · Legacy obituary
- 2025-08-14 [John A. Ruetten Obituary Aug 14, 2025 - Konrad-Behlman Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9NcEhudndfNnB5SkdQR1pDZVl5LUN0aVRybHY5QlhuSEM4OS1tSVFvSkRfSUk1Y1Budm4zaVY4cmhnYTJ1MFJSbVhMYmNkSWp5LU9OeEpOamxFUXR6Mlg2VHdLVkI?oc=5) · Konrad-Behlman Funeral Homes
- 2016-11-18 [Stock the Shelves directly impacts the community - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMivAFBVV95cUxNOXNGUWduelJYUXZ5b0RtcHhvRGZIM3pNUk5xTXE2Nzk0bVBYQ3hKN1hKNEVLWG1ESUMzRjgtV0ZUZmREcG8zU1lXeDBqWVhEOUFXSkxOdndxd1BYQXFicDhKUXJJUjRkZWRYSnMyN0I5Mm9CRUxoY3l0cXdoRXBPZUl0djVvRXladG5kNWZFRTRYazVteGVScE1Cb01WMzBYVE91NjQ1aW1GQ2hfNmRYWGVPenFCSEczbldEMA?oc=5) · Oshkosh Northwestern
- 2025-09-26 [Scenes around Oshkosh: Community changes and more during the summer of 2025 - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMi7wFBVV95cUxOSlNRcGRWN0gxSEliVGtTWlNfTDA0dlY1WU9GX2RmX3h3U0pUOFlLd2J5MzRqSEFkZDFiOF9weDFRUWQyZXBnOHRnOTQ0Q0I5SFhvSHFsX2FwcGdhQ3g3dFc2M1RNdmZqSWsxcVlUcjcwYW9WM0JUNmdoNWNFTmhDaUVxdGw3WnAxSkRHVmZlYUIzbWpfcUx2Rk9TVzduZlNHQUhFX25xQWloZ1FxR1JDYS1fam9fZFFybHhyZXljUjVpR0dNTHkzWjNJMjlsWFpkNVo2d1k2UVpDdFNXUDhEeGdyV1U5Ny1GaWM3akN3UQ?oc=5) · Oshkosh Northwestern
- 2016-05-27 [Chamber lists 2016 Leadership Oshkosh graduates - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMivgFBVV95cUxPUVBlWDVjYUl3X3pESmtBd2NmampOVkFFcHA4VVVCLUx3dkxlQ3VBcHFHdnN5LU10VElzaEswNW82RUxqSjI4aVZFSzBPSDM4ek5GSlloeVhZVktvRjJramhOaGF0TVpFcUo5SGc3T01Rdzh4c0duVVBDcFpJYXV4ZFRPZjNnQ19GVDVxUm9INXNwemhkQU1EZFBXSElHekwtUGpJaVk3QVJkbjhBSjBXNUR2QzlEOWFjS0dsU2hB?oc=5) · Oshkosh Northwestern
- 2017-06-06 [41 graduate from Leadership Oshkosh program - Oshkosh Northwestern](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZWlBWkdJeVQtVE5DcW96cmNwei1RcXV5VC1vMnMzTFN1ZTNJdHM2REtYNkNOdjloUHNrc1dDbmE1czk3MXVaWkJpV0Jvdk9YVVB1UER5dUh1a21DVW11QWI0a1BGZjJMeU9UaGxUb0xDeWxQYUZid1U1enRkUWx6ckViUjl5elZRRzllXzBpUU9CVUJtajBLLVZkU01zZ1NNZi1oUzNHekhaZFh1dzVqZk5FUnhmcGQ2TDZN?oc=5) · Oshkosh Northwestern

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66779 (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/27.json (key "66779", 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=66779
- 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