# BULL'S EYE
WISCONSIN RAPID, WI · NCUA charter 66861 · asset band $100-200M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/bull-s-eye-66861

Who the members are: state charter, organized 1932. 18,502 members of 214,059 potential (8.6% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 35.

**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 | $153.5M |
| Members | 18,502 (-4.7% YoY) |
| Full-time staff | 34 |
| Net worth | $15.8M |
| Net worth ratio | 10.3% (p44 of band) |
| ROA (annualized) | 0.07% (p6 of band) |
| Total delinquency | 0.67% (p55 of band) |
| Net charge-offs (annualized) | 0.62% (p75 of band) |
| Loans / shares | 73% (p42 of band) |
| Cash / assets | 15.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.63% (p74 of band) |
| Operating expense / assets | 4.84% (p86 of band) |
| Vehicles % of loans | 35% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 22% (p47 of band) |
| Vehicle delinquency | 1.11% (p82 of band) |
| Vehicle NCO | 1.04% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 7% |
| Average share balance | $3,601 |
| Participations bought / yr | $660,267 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $14,956 |
| Loans granted, annualized | $36.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | loan book shrinking |  |
| 2017-09 | 1 |  | loan book shrinking |
| 2017-12 | 0 |  | delinquency 2x band |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |

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

- 2018-05-24 [Streetwise: Bull's Eye Credit Union members approve merger with Connexus Credit Union - Daily Tribune Media](https://news.google.com/rss/articles/CBMixgFBVV95cUxNaDVaR0lyN0pDdGZuR3BJNmxjcU1FajF1X1BNSkpDU3dfbVJ0UnBmY0lkaUpZeXpRU21kQ2VNUjFNTW9rc29aQU9FOXcyanVXdTVMdGJ4dmpmN3pQSm1UM2U5VmxKalBpOU5qSXdwSUQ5UXU4SU8wdGtmWHMxR085NjdHOEg2Y2tWT1ZJbEFpb3BFZVJyOElTbDE3SU9DX0VPMXNnOWgzVWZTZDhqTGJPUzYwaUhLejdhdkhuZUZ3Q2xXQ1VyY2c?oc=5) · Daily Tribune Media
- 2018-11-29 [Bull's Eye Credit Union: What you need to know about this week's merger with Connexus - Daily Tribune Media](https://news.google.com/rss/articles/CBMiywFBVV95cUxPZDJTUkJQVndTTG8tU3paaUszS3VpWERRd3dXTmg0SnBXVnh1U2VzaTFqdXJIRmdVTDRGY0RucUFHUzN2Q3FmUzBYQWRPTTJDaHpJRENMMXZkNmxGcm1hNllqSFc4SUVTbVVsWnQ4ajdDemp0NW9PeTVsOUg1bFpuLUJWTzNOTGh3Ukc1cGZrZHNXWml3YkZ4RzVIUVVROUczcndiZnA4ZXh6QXVQR0h0WGhSamFOazhKa2VtQkh0U1B4MmRrZ0JzZGRtOA?oc=5) · Daily Tribune Media
- 2020-08-26 [Bull’s Eye CU members approve merger with Connexus CU - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSWdrelZzcTZ5V0Rfend2Q05sLUNjRTg4eXhRRXp2SlVjTm1wVjdtNDA3ZmUybzd0QVg3TjN1OWFxMzVHM1lQdGZSaU91T3dNNjRsZWhTeDNQbWtNaXBXeUZsbkRXT3laaVh2WWpocFNjck80VkVqekMxVFBMNnlXbUNBTEM5MmN1SmJlLWpqZG82SnAxM3RTZmhvYWRzVUF5bHRv?oc=5) · American Banker
- 2017-05-23 [Rafters Release Full 2017 Promotional Schedule - Wisconsin Rapids Rafters - Northwoods League](https://news.google.com/rss/articles/CBMisgFBVV95cUxQOFBQLTRjaC1yVzNiWmg2cVVJcjlLcElSWENhSXh3WDVXdllzZTRBM0tFU2ZHSXBNT1NrdlJJY1YtRVE4c1p0LVBEVGd3ZVZEWFBIc2VMN1dBbVRoVV9mWE1udUVPcldTREtYNEx2bmowTUJjYVkwS2R3LVJyVEVVRGcyY1BGOVpzc2p0d0dDVEtiMVl0RjN5Ulpsd1hzN242VHBQc1VXTzNRRGRFUlRNLWl3?oc=5) · Northwoods League
- 2024-05-13 [Irene (Suski) Glodowski Obituary May 13, 2024 - Pisarski Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE91dkJ5S1gtMUZ1WHN5by00VVFpbWEwbXhHUkh0ejZmckppTTVrSmRmc205WjVEV3JZUXEtS0xoTy1JeTJ0Y2xMRUpKVnBISVBJb1BUNDI5Q2hJVm5Rd0NFRFpOdXY4SDdPLU5NOQ?oc=5) · Pisarski Funeral Homes
- 2014-07-01 [MSTC Foundation golf fundraiser a success - Stevens Point Journal](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQblZBYVBpcWJzTm9TVmpXQ2pLajF6MjNzWlRjQy1wN3BiejNoRndfZF94VVVsUjdZdUVWQUotX0NZUG1XRVl5SGphbEdTUTZEUjZxQTdtV1g1a1ZPN05ZLUsycnpqcDdlcDdNOExqYUVLbU8wWTVwVzhsb19jckd6MVFCLV9zekYyUExPYXNHb3VfQWktYUl3MHE0UVYxM2k0OWhjazVLNjE?oc=5) · Stevens Point Journal
- 2018-04-13 [Former Brewers Star Cecil Cooper to Appear at Rafters Game Friday, June 8th - Northwoods League](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPdC04S3IwNXVfSzRKQ0tIZVl1eDNtRy1HQUprWFRKNktXVnRUbGxDNkFMUVUzaU1ZaTNXcGhWY0w4aldlVHEyVHVIRUdpUUU5SXgtV0ZXZDhuUEdXcXNyaUszTkJDR3l2WkZlRWtnOXJCVjAwMVhnb0ZTU2d0NE1xOU9tTVE1WE1EdlRWVjVwYXEzZkViYUYySkswS1dhZzNMV1dTQmVhVlVsX1BsY3UxN1hRbHJ6ampIRDhSdm45d1NDaGZKRVRmVlNHQVpjdExNS1p6eHhDcw?oc=5) · Northwoods League
- 2018-04-19 [Rafters Release Full 2018 Promotional Schedule - Wisconsin Rapids Rafters - Northwoods League](https://news.google.com/rss/articles/CBMiekFVX3lxTE5vSUFiY20yemhaeUtPZklNQkNEMU5Ba0QtdllXajdtOEtNcHNOMW8wLUdVVjRQV2lHNGNPalJKTk4yZjZXLUVCdGNreTg3SDVGclBTLWZFeS01NFZjVzctOW4zamdvd1hHOTl3SndqR0sxeEc0ekFEMDh3?oc=5) · Northwoods League

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66861 (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/45.json (key "66861", 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=66861
- 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