# KOHLER
Sheboygan, WI · NCUA charter 66872 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kohler-66872

Who the members are: state charter, organized 1938. 53,457 members of 2,239,323 potential (2.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 30.

**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 | $762.1M |
| Members | 53,457 (-2.5% YoY) |
| Full-time staff | 176 |
| Net worth | $81.7M |
| Net worth ratio | 10.7% (p56 of band) |
| ROA (annualized) | 0.94% (p70 of band) |
| Total delinquency | 0.30% (p22 of band) |
| Net charge-offs (annualized) | 0.11% (p12 of band) |
| Loans / shares | 93% (p87 of band) |
| Cash / assets | 4.4% |
| Borrowings / assets | 0.82% |
| Net interest margin | 4.03% (p87 of band) |
| Operating expense / assets | 4.15% (p77 of band) |
| Vehicles % of loans | 24% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 29% |
| Third-party paper % of net worth | 83% (p45 of band) |
| Vehicle delinquency | 0.64% (p56 of band) |
| Vehicle NCO | 0.25% (p14 of band) |
| Repossessed % of vehicle book | 0.02% (p40 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 84% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 15% |
| Average share balance | $6,024 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.8M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $38,895 |
| Loans granted, annualized | $236.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.8M outstanding purchased (3.4% of net worth), $263,234 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 0 |  | thin capital |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | loans>95% of shares |  |
| 2017-03 | 0 |  | loans>95% of shares |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | members leaving, loans>95% of shares |  |
| 2018-03 | 1 | thin capital | members leaving, loans>95% of shares |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 | delinquency rising | thin capital, 3rd-party paper>100% NW |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | thin capital | delinquency rising |
| 2020-06 | 3 | net worth falling, 3rd-party paper>100% NW |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | members leaving |  |
| 2022-06 | 2 |  | members leaving |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 5 | net worth falling, leaning on borrowings |  |
| 2023-12 | 4 |  | leaning on borrowings |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 5 | delinquency rising, loans>95% of shares, leaning on borrowings |  |
| 2024-12 | 3 |  | thin capital, leaning on borrowings |
| 2025-03 | 2 |  | loans>95% of shares |
| 2025-06 | 3 | loans>95% of shares, leaning on borrowings | 3rd-party paper>100% NW |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 1 |  | leaning on borrowings |
| 2026-03 | 0 |  | loans>95% of shares |

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

- 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
- 2026-03-19 [Kohler Credit Union promotes Cassandra Brunette to retail director - The Sheboygan Press](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOak5BelBlMXNyMVBvRW94b1lJcHdYcUNDYWI4ZlBkTzJ2czY1V2c5WFRBdU44Q0lwQTgwYzBKV0NaTDZwUEtKV3JMZGdvVUVxemJONGo0ZTFJM0tBekZyT0FYM0JSM2JXc3k0dm8taG91aUJwNVMwVW83SWRJZmM1Y0tTOFJrSzhxQ1JvcWRSSGhDMU90ejVYZnVMZ2laT1laSVVDUVhEMFg1VXlMblI1T3UtTWNsVUhFVEdkam5ubWJoX2FqeUFsbDVHeDRvZ180SUpCTzh0OWM4aWM?oc=5) · The Sheboygan Press
- 2026-03-05 [Site plan for future Kohler Credit Union approved - GMToday.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNVkkxZ0RRTDh1RlNTVmtpSlh0VkVwUVJpdHdyNGt1OTFPSnB6dHJYNHBkQUNoOWZqdW1rQVNRWWUxc3FGemRNdHUxOTRhamtncV9oNTNPVzJyejc0NVlKc2ZrZmxvRnA2S2pQMWxWakhNNmhEVWFKWk0tU3UxOFpBeG94VmdsUmZXZkZCSmN3a2Q0MVBCbnVBV1g3V2ctNVBFZXNFc2lycXU5bHA3a1pFMkN3cEcwWVNHaXhqSC12aDE?oc=5) · GMToday.com
- 2026-04-21 [Kwik Trip sells West Bend site to credit union for $3M - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOWGFIZXlvYjBhZVNiZUlQYkpXR1JNeHZJeGR3MjRzQTQyNzJQRm95cHZ0dVp4NVhya0EwSm5MRERwTnRGLUhmUzZJblczRVYwWV80WjE2WE13dHBFcTJPM3oxR3lDMGR1QW9ZY3ZrODd1Y3RvMF9WOW45bTJsMW1PQWFvdkV1Zm5Db3hMbjlEYmh3OG9EaU5TZXNVSHdnMUk3OFgzdGFn?oc=5) · The Business Journals
- 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
- 2025-12-13 [Saukville bank robbery, suspect later turns himself in - FOX6 News Milwaukee](https://news.google.com/rss/articles/CBMihgFBVV95cUxQb1RvOWM4T3RuZlVleTdTdHVYc2d3eTQ2aU9OMWpfakphRjJCTGh2SmVjVU01b28xQVg3anNENnFNbGZIdng0aFdxYURBMEU0dTVMQjFDMTVEd01ldGlhQjJjMHVhUnRpdWRWVTFHeGJmQks0cHFpV0hjYmZEUmkxeVo2WVRodw?oc=5) · FOX6 News Milwaukee
- 2024-04-22 [Bethany Brusse promoted to Director of Human Resources at Kohler Credit Union - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxQeEdsdXJYM0plQ3RfNm8tWkFPSV9kNzBDb3FUbmlIalJIaHQxYTJWTF9MWDl2bXFVZ1BuZHY5YjV3TzU3bE1Wcm5kU3V6aC1jWEI4b0J1X0gya0ZFT0JCVTMtOWV1TW11TkI1am1iRzlsN3h2SGxxX2NTcTA3d0xLSVhFZ0gzYTlSYjc2aEdwT0syWjl3bHF6Z0k0NGtqc1ZibEs1dmpUVTFkdC1FX3M0d3I0ZWE2VEl1MWc?oc=5) · CUInsight
- 2026-01-12 [Lakeshore Chinooks Set Sail Into Season 14, Presented by Kohler Credit Union - Northwoods League](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOQ0xmVEJTM0hPaDBpczhiajBUajdaQ3pLQ0J1Sm1hbDdabnJ4QlRacUR0NjcxOEJPTWhMemRuQndtdHlZT2dWUy1uQ1NqZ0docngtMlRCNE9hTlBjRUdPN3E0UWlkOXBVR0dlUXBvOFRXcWF2MUVnYjVRaEREU2tsMFp1R0otZnpLVms4alB2OVZ3eU9pZktuT2c5MXBveXllcHR5ZzFfcENub1hIcTMtMzhVZ0EtVEczYzNNZ0ZmdkYwNmFDQ2MzOG5DMTlzZ19Z?oc=5) · Northwoods League

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66872 (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/56.json (key "66872", 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=66872
- 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