# COUNTY
KENOSHA, WI · NCUA charter 66823 · asset band <$50M · latest filing 2017-12 · stopped filing after 2017-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/county-66823

Who the members are: state charter, organized 1935. 1,501 members of 3,500 potential (42.9% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. 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 | $13.8M |
| Members | 1,501 (-1.6% YoY) |
| Full-time staff | 4 |
| Net worth | $1.7M |
| Net worth ratio | 12.6% (p49 of band) |
| ROA (annualized) | 0.25% (p51 of band) |
| Total delinquency | 0.00% (p10 of band) |
| Net charge-offs (annualized) | 0.12% (p33 of band) |
| Loans / shares | 60% (p53 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.57% (p30 of band) |
| Operating expense / assets | 3.06% (p41 of band) |
| Vehicles % of loans | 34% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 0% |
| Average share balance | $4,386 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 37% |
| Average loan balance | $9,917 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 0 |  | members leaving |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |

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

- 2026-08-26 [Florida credit union to acquire bank, rebrand itself - Banking Dive](https://news.google.com/rss/articles/CBMivAFBVV95cUxNQklLX0NJS2w1X19MeHJmbHoxVlNFWUliMVZIZkN6NG5GNjI5a0J3U0VtMlRUNldFVWRHZU1jRWQwM3p1TTFkLXRoMnJuc2VXLVFrcFRkX2ZZNTYzSko5ZERaTGJ0UjVXX2wxdUhYem9WUzJpUnQxaEktT0E0TExVUmRXTjhYc1dHNlNnd3kweHNmdVFsa0N5ZFNUQVNBOEpkM2FXbjBIekVyZEl5eFBMemNHLW1URHVqZGRyVw?oc=5) · Banking Dive
- 2025-11-28 [Influential CEO of City & County Credit Union plans to retire - Pioneer Press](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXBrSmE1YW0tRjNURXNKSmZ2b2NURFJqelNBOHpHZzJwSGEtYmJVcmxVTnBjOUdZTnpkbWlHUG5GNWNPYmx6Z2h6Y01iR0MwcnZKZGNOMWs5cnlFN1E0STVRUWdjUkZ3RTNRMXpjOG1RbzhidU4wVXp3TUVJWENSTUJ4V1ZEU2UtbkxIVVk0RVdwT2VEWDQwaFhVeWo5UUM5Y2RETA?oc=5) · Pioneer Press
- 2026-03-02 [Kohler Credit Union plans new branch in Washington County - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOdDNTeDhianVnYnQwakw2WWpSOHhtSVB3aFJ3V1o1UFFCeEFwRjRpblVmX0hfV1FkcVF4eGxfUEJzdE1saGZxb3NudVJ2dWtOcWc2TmtuLUZEQi0tdTBHcWtxMWcxM1lmbUw5Mkw4RUI1MjFmemNuWlVjMERoWm43VmZjMVNwSUNxY2RZYzFIX3hDbjZQbkdTRXdvQnN2VUJvRDhqXzB5UHg?oc=5) · The Business Journals
- 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
- 2026-03-03 [REAL ESTATE | Credit Union proposed for 18th Avenue & W. Washington Street in West Bend, WI - Washington County Insider](https://news.google.com/rss/articles/CBMiigFBVV95cUxONm94MXFQV3p1R1dFRXpOU1I5UHVObVV0ZU1TSTJkaldRQXpRdVM3cnpsbnY5M2kyN2FPSXo2ME9heWxLak1hVnlIMEwxUVhxRENrWWdNM1F0dG50OVBnQXNwRGV2S3lYTEVFcFpNR1cxZndhbU1uSnJUZGNNSVc2Mm52OGp2N010clE?oc=5) · Washington County Insider
- 2025-06-18 [Merger expands Park City Credit Union's reach - Wisconsin Rapids City Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcHNzdEhRNWZ5dVlmaGlwd0ZzZkt3Qmc1Ukp6UVg4eHl6Y3ZOdHNscjF2S2ZPeU9UM0RGWWNnSXYyYXd6UkpfalpTT2xkdGc3cFA5S011ZDdFbXVhNDQ3bUJvU0xVQU5YN3UwdEVZZFpsUzhhNzZFd1YzU3ZtMWtPaWd2YlcyLU9IRWI4?oc=5) · Wisconsin Rapids City Times
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2022-11-07 [The Most Powerful Women in Credit Unions, 2022 - American Banker](https://news.google.com/rss/articles/CBMimgFBVV95cUxQVFhyeDd6M0V0d1A1aE1YUlppUFVKRG9nTFYwbE82bWhRMTFxZTJNbnBjT3hmRGpwSmZUeHRqQk1TM093ZzkxVUw5OHRaNWFkY2VMYkZGOEdqLTdFS245NmQxb0QwNkhNOHI1RE1BMXhjaWFrRUNoem1GUHktdk1aR3JfLURWMUhCRjE0QlR2Z0wyaGNLdHdUSEF3?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66823 (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/7.json (key "66823", 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=66823
- 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