# DANE COUNTY
Madison, WI · NCUA charter 66884 · asset band $200-500M · latest filing 2021-12 · stopped filing after 2021-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/dane-county-66884

Who the members are: state charter, organized 1935. 15,436 members of 1,065,269 potential (1.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $217.1M |
| Members | 15,436 (-6.9% YoY) |
| Full-time staff | 54 |
| Net worth | $17.5M |
| Net worth ratio | 8.1% (p19 of band) |
| ROA (annualized) | 1.05% (p79 of band) |
| Total delinquency | 0.57% (p76 of band) |
| Net charge-offs (annualized) | -0.06% (p1 of band) |
| Loans / shares | 64% (p49 of band) |
| Cash / assets | 20.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p46 of band) |
| Operating expense / assets | 3.00% (p44 of band) |
| Vehicles % of loans | 32% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 24% |
| Third-party paper % of net worth | 56% (p49 of band) |
| Vehicle delinquency | 1.41% (p95 of band) |
| Vehicle NCO | 0.68% (p88 of band) |
| Repossessed % of vehicle book | 0.00% (p29 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 23% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 10% |
| Average share balance | $6,613 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $6,200 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $15,956 |
| Loans granted, annualized | $54.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **members leaving** (`shrink_members`)

## Warning timeline

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

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

- 2026-03-16 [Some businesses closed or delayed, services canceled amid blizzard - channel3000.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOMkppYTI0OTFJV0o1QUlHZlhQUXZvOGczMFVmMmx0dkJ6eVpLQTh0bFFqb1VkT3FUOUZWaTQwc3l5bUZRaTlJOHdyNmE1ZlQwZ3ZHQmhzWnJ5M1ZvSlNxTXhGRC1jbFo2eVV6WUFXQldkeDBBbmdjT1NNSDl4dkN5TndtVUV5VVd2bm5jSVRWYTBITGVuN1NNLUUycFo4SklNeTNSX09uNjFUUTRIbUxNbEZ5ZHZ0bTRxZmx5MnVsLTMySWJCTWNCSXJtOWM4VTdiM1E4LTItdGttWWUyUlFfTUdn?oc=5) · channel3000.com
- 2023-11-25 [Latinos are underbanked. UW Credit Union is trying to change that. - The Capital Times](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNelZrVGUyY0NtZThnRzRPVmpmT2xBUHdkamhYekt5ZHFNa2d6Y1p1Mzlha3R5MW44b28tUEl3amxaZVBsTHpfRUM2MzFRWDlrN1RLSGRaSlZkNVJWcFJuM0plOWVTMk1iMVRBRkFtUVFJWldLMEY5QzFzSkc0X2FBcHRuQ1p0YTFxRElqNktfd2RXdlotTzIyZXZXV091STh1akw3dXJlR0Z5bk5qdkN3U0tFMV9IeFlPXzh2dXFqMmFQTkdzeVNCZWs5aTZjRGVwNWJoUC1EaG9XMGF1bVdxbmc0aw?oc=5) · The Capital Times
- 2019-04-22 [Latinos in Finance: Developing a pipeline of Latinx leaders in banking - UnidosUS](https://news.google.com/rss/articles/CBMibkFVX3lxTE9UQ20zaEhIWjV5LUFZTGJjS1ppTFB3LTRCcm1JN1ZhRFFIa3dEaWlIZ3V6dEdZakx1Q094UEdzX2hXN0pHb0VONjFWTDNQNV94aFJKWkRlWXBrMlVqSE9JS1lMcnV0Z05LVkRUY1JB?oc=5) · UnidosUS
- 2020-08-26 [Dane County Credit Union removes 'interim' tag from CEO's title - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTGNlS3B4c05oZXNNcXU1dlR1ckxwVlpWNmhmb0lSaEFfNTVFTXpBUl9aT1NHOUpuU19XdXM3MGM1aFJVd2szNVQ1c3hJLTRvQkRtcG11OWpkYTJmMVhtNFh6ZlJDdmFTZlR5RmEzRkFleUM1ZXFWRXYzdV9qR1pkMTAxQXloUTJVSDVoajZJVmtXYVFOUzJxRVpHUVZpd3UtTFlNYkZFb3ZIWDBySFE?oc=5) · American Banker
- 2026-06-30 [Landmark Credit Union expanding in Madison area with five new branches - wisbusiness.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxPbFo0aWM1MHJadHlSVWd0SVU5VXZDZUU5a29kbUxaMVdHUVZkUEw5cnRRMEJBbGhQaXVwLVVSOWxGczdNMC1iamc4Q1daa0FMdmRwM0s1YXkxNTkwSVZRT0JtNUFTdnp2cTRBT2JSQUpYZ3RTTU40S1NBZ09JaHJ0YlJqTUh5aXNyMWF3RmVHZE1sQzNJNm9QTW5jaUNUeUZXOVd4RkRPZw?oc=5) · wisbusiness.com
- 2018-06-25 [Obituary information for Jon Lawrence Lowrey - Gunderson Funeral Home](https://news.google.com/rss/articles/CBMie0FVX3lxTE54VmlHVm1ibzV4YlpVbHpibDV3aENEMnZVUmctXzNRNThNb0NobVM1ZFFvQkUzbDFmT0JkaEZuTWhZRnlPUlFGaG1Idkk0bllYaWVKcTdtRGFZcHlSRDFTLWhNSFBkaUYyVHlsRk9sQjBXR25Na04tbFJHZw?oc=5) · Gunderson Funeral Home
- 2025-12-15 [Kim Sponem – Wisconsin 275 Most Influential Business Leaders - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1YQnhtNThTWk1Ob0YxYXZGSlJKYTlIeER5OE1DeDQybmZFa1pIVGotV3FDbHB6R0I0RlB0Z0J1alpJUHVXemtIV2ZkZjVyNk9JSWpuT3JWTkc?oc=5) · BizTimes - Milwaukee Business News
- 2023-02-24 [Suspect charged, accused of robbing UW Credit Union branch twice in 8 days - wkow.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNYVVmM0d5SUFfei1CSGkwZFJvdUhibFdPZDVUcFFDaGppMmhnZkQ0M0RnVWJXV044V0xBRmIyaENraDlGNEV5cVFVWTlLZnVUTl8zV2tjSmQzbHBCaWRyeE9CbmRHZ0s5TnhSa0hzRnoweXl4eGgteVMyNlJVTUgwUXFpaUFPMkw4NU1LeU1FSjFHOGpsRTBEMlRla21aYXRpR29wdGtfRG53SlFLTW9aMEd5VHdMWUZJMG1rX0pPVU9UN1Z5ZVBFZXFOYXVCTTI2YVl0OU1fcjgwN0NabHpjelVEdw?oc=5) · wkow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66884 (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/4.json (key "66884", 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=66884
- 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