# CLOVERBELT Wausau, WI · NCUA charter 66844 · asset band $200-500M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/cloverbelt-66844 Who the members are: state charter, organized 1936. 16,292 members of 426,000 potential (3.8% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 348. **Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $349.8M | | Members | 16,292 (-0.1% YoY) | | Full-time staff | 58 | | Net worth | $43.0M | | Net worth ratio | 12.3% (p64 of band) | | ROA (annualized) | 0.75% (p55 of band) | | Total delinquency | 0.19% (p11 of band) | | Net charge-offs (annualized) | 0.03% (p7 of band) | | Loans / shares | 90% (p88 of band) | | Cash / assets | 5.3% | | Borrowings / assets | 0.00% | | Net interest margin | 2.98% (p17 of band) | | Operating expense / assets | 2.63% (p16 of band) | | Vehicles % of loans | 17% (p16 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 60% | | Third-party paper % of net worth | 70% (p48 of band) | | Vehicle delinquency | 0.10% (p10 of band) | | Vehicle NCO | 0.20% (p20 of band) | | Repossessed % of vehicle book | 0.00% (p25 of band) | | Real estate % of loans | 64% | | Credit cards % of loans | 0% | | Unsecured % of loans | 1% | | Commercial % of net worth | 84% | | Core shares % of member funds | 43% | | Certificates % of member funds | 29% | | Average share balance | $10,570 | | Participations bought / yr | $15.8M | | Participations sold / yr | $0 | | Participations outstanding | $33.3M | | Loans outstanding per 100 members | 348% | | Loans granted per 100 members, annualized | 9% | | Average loan balance | $4,849 | | Loans granted, annualized | $79.8M | ## Participation posture (from the same filings) Bought $15.8M and sold $0 in the latest annualized quarter; $33.3M outstanding purchased (77.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 9.0% year over year. ## Flags firing in the latest filing - **net worth falling** (`cap_falling`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 1 | net worth falling | | | 2016-12 | 0 | | net worth falling | | 2017-03 | 0 | | | | 2017-06 | 2 | net worth falling, 3rd-party paper>100% NW | | | 2017-09 | 2 | | | | 2017-12 | 1 | | net worth falling | | 2018-03 | 1 | | | | 2018-06 | 1 | | | | 2018-09 | 2 | leaning on borrowings | | | 2018-12 | 2 | | | | 2019-03 | 1 | delinquency rising | 3rd-party paper>100% NW, leaning on borrowings | | 2019-06 | 1 | | | | 2019-09 | 1 | | | | 2019-12 | 1 | | | | 2020-03 | 0 | | delinquency rising | | 2020-06 | 2 | net worth falling, delinquency rising | | | 2020-09 | 1 | | net worth falling | | 2020-12 | 0 | | delinquency rising | | 2021-03 | 1 | net worth falling | | | 2021-06 | 1 | | | | 2021-09 | 0 | | net worth falling | | 2021-12 | 1 | delinquency rising | | | 2022-03 | 1 | | | | 2022-06 | 2 | net worth falling | | | 2022-09 | 1 | | net worth falling | | 2022-12 | 1 | 3rd-party paper>100% NW | delinquency rising | | 2023-03 | 1 | | | | 2023-06 | 1 | | | | 2023-09 | 2 | delinquency rising | | | 2023-12 | 2 | | | | 2024-03 | 2 | | | | 2024-06 | 1 | | delinquency rising | | 2024-09 | 0 | | 3rd-party paper>100% NW | | 2024-12 | 0 | | | | 2025-03 | 1 | net worth falling | | | 2025-06 | 1 | | | | 2025-09 | 0 | | net worth falling | | 2025-12 | 1 | delinquency rising | | | 2026-03 | 1 | net worth falling | delinquency rising | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-04-02 [Mariah Hope Wilde Obituary Feb 22, 2003 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBFdTBsTU5IS2xwLWtncGlIR3I0cU1NY0dSeXNEclI4U1phOE96X0dNZUNIbEFlWHBqcThGaTg3alhJQ2xneFRUVlI3c2RXU2FCVlJaNmtPR2ZwQ0MxR3M2Sk1IR1lUZw?oc=5) · Peterson Kraemer Funeral Homes & Crematory Inc. - 2023-04-17 [James E. Becker Obituary - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1TM1dtRFRpeTlqZjRqTVZBVjN4bmx6VlQwRTZYOWI5Y3JZcVdKQjEwME90UTY5Nm5wd2JtNXZiVWhSeHR1WnV6dXJva1kxV0g4S0NQclFKNy1hNzFXYnlLUEFZQ2E?oc=5) · Wausau Daily Herald - 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com - 2025-06-26 [Kieth C. Wilde Obituary Feb 22, 2003 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiZEFVX3lxTE00SnBvZGV0eVplN055ODB3a2RSbXhZTFViRmJuVkV1ZDhlcDdrMEdGN0syaTE1OTNkWmxoLTYyRW1NNUtFS2NsUEJmQktHUnJFRWI3eG9FX1lSRWFka3I2VG1BQXg?oc=5) · Peterson Kraemer Funeral Homes & Crematory Inc. - 2021-10-19 [Derek Roosa Obituary (1991 - 2012) - Mosinee, WI - Wausau Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPVFpGM3hiQ2E0YUtWbndTeE9VS1BoWEYwci1mS3h6UTVzZFBUY1VjN3lQYTNhMzJtUzlSSm00cktkQ1pzVHhSWjZ5dGQtbDBxZk15a3VEZS1BdXJORHNpSDhMOU51MmM4VWdKN1RhTm5SUFVDUTcxUV9zUWZ5TzRZU0pFVUk1dDVCTS1VR2F1anN0NXhMU0Nz?oc=5) · legacy.com - 2016-08-30 [Check out the new buildings, facades around Wausau - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNZnJ4S3pFajAzeUNTVTd4ZGRTNFVvb2hMRGw2eWllMy1LMS1haDNRdXRsMW1DcXBPYVhYOGREVnM1Y0poUHZxbjBzYkE0Y2lycnpXMWdjLXpGS2tyeGU5VTRYUmhrakp4Rm44T1NvOG8zRkczdmg5X19BV3VVWWR2SExwek5hSXJPaWxKbHRYaGl3SXg1M2lncEwtVDRHZnZvTzFHT0VEZWV1di1PVFUySDBkMmpIVTI0MGtwUlowaW8yb0k?oc=5) · Wausau Daily Herald - 2015-06-27 [Wausau West High School's top graduates - Wausau Daily Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxQMF9tRW5ta05pTHVPREg5bW9GTDZqRDNxVFhBTXBWZDZGR0x5a3ppXzZHY2FRLW5JTmo4M3JkMW1EdmNpQjFZdDM4Ry1wVjh1TFZzQXVveDJJRlhKV2pMMkwxRjQtX3EwUHJoVW9tWHMzSTRpenFHUm93MFZyUGgxNHJXcTJMWnk0dmhDcnJKQUtzWHFBOWVFNjR3eEEzaFpCcWVPUkZscw?oc=5) · Wausau Daily Herald - 2015-11-17 [Daily Herald honors 20 young leaders - Wausau Daily Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxObHdzM2d2MkpFSVRWSFRmdkRsVkJIUDI2d0k4QlBNeXFkS2x4YzV3eG4tRHpIb1NhM2N1anlGTWdxUUpKZEtPZW9sZmZJTVhhOTZuYV9wTlEtNERYRnFmNHN1MVE4T1Y3aFZXQlY5RnlsRzJEUFdPVW5uUVhZZzkxUVNyQktVMkcwalY5OGZVNjg0Z1RnY08wTjJFSzVOa2dUTVY3aQ?oc=5) · Wausau Daily Herald ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=66844 (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/28.json (key "66844", 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=66844 - 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide