# BROKAW
Weston, WI · NCUA charter 67000 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/brokaw-67000

Who the members are: state charter, organized 1986. 5,724 members of 478,000 potential (1.2% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 1111.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $72.0M |
| Members | 5,724 (-1.6% YoY) |
| Full-time staff | 14 |
| Net worth | $8.7M |
| Net worth ratio | 12.1% (p42 of band) |
| ROA (annualized) | 1.54% (p87 of band) |
| Total delinquency | 0.40% (p38 of band) |
| Net charge-offs (annualized) | 0.34% (p59 of band) |
| Loans / shares | 74% (p75 of band) |
| Cash / assets | 32.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p75 of band) |
| Operating expense / assets | 3.76% (p57 of band) |
| Vehicles % of loans | 57% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 223% (p94 of band) |
| Vehicle delinquency | 0.02% (p12 of band) |
| Vehicle NCO | 0.07% (p40 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 40% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 5% |
| Average share balance | $5,796 |
| Participations bought / yr | $1.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $5.8M |
| Loans outstanding per 100 members | 1111% |
| Loans granted per 100 members, annualized | 789% |
| Average loan balance | $729 |
| Loans granted, annualized | $23.2M |

## Participation posture (from the same filings)

Bought $1.6M and sold $0 in the latest annualized quarter; $5.8M outstanding purchased (66.9% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.5% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | 3rd-party paper>100% NW | delinquency 2x band |
| 2017-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2017-06 | 3 | net worth falling | delinquency 2x band, delinquency rising |
| 2017-09 | 3 | delinquency 2x band | net worth falling |
| 2017-12 | 2 |  | delinquency 2x band |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | delinquency 2x band |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | delinquency rising | thin capital |
| 2019-03 | 3 | thin capital, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2019-06 | 1 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2019-09 | 0 |  | thin capital |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 2 | thin capital, net worth falling | delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | delinquency rising | net worth falling |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 3 | net worth falling, losing money | margin squeeze |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 3 | delinquency 2x band, delinquency rising | losing money |
| 2022-12 | 3 | members leaving | delinquency 2x band |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 3 | delinquency 2x band, delinquency rising | thin capital |
| 2023-09 | 1 | assets shrinking | members leaving, delinquency 2x band, delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | delinquency rising, 3rd-party paper>100% NW |  |
| 2024-06 | 1 |  | assets shrinking, delinquency rising |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-07-20 [9 News' Food Drive - Brokaw Credit Union - waow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOMVJhT2luZUJmTFdJY0lmUUR4TFdKcVo3YUFDWDViRU1XLWZNRUFZUkxYMG1QdFFxNUxjTGhoaDVvcjZnVkx3QzNVMkNXRk5ienpZWFVvdnhKQ09qN3V2NkdPN2o5RGVqdlhiQmNDOEJmRV8wcmdHQ20zeWZiZDNzbHF6WWZsWm5YQ1pFXzNXcG9lS0gyMWw1NEhRaGs2RTdZYlU5QllsZFZnOFhrdTZ1TFV2UTc?oc=5) · waow.com
- 2025-12-20 [POLICE: Venezuelan national charged in suspected ATM jackpotting attempt in Weston - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMixAFBVV95cUxNc1lhV2dMdTl3cVp5SHFZSGlxOWJXQXpCTnI4OTRpc2ZlMUpVQVQxa2lGa053ZWJIdk84a3Fxc2tEb2J5dUVOR0p1dzVMODRIc2NnOHplUDJzaVpzTEZzVnB2UEYwVExReTJCZ0ItSDVVVmtTMTBqMDFkeUhxaUxZZm8wZkl2YnhTRG1tdEFucjZoQXlfRG92TzJlaWtrNFNieVJ0NjhkbngwUURoNWxoMzJlSjYyclRtajBkS3V1TzJUWjFj?oc=5) · Wausau Pilot & Review
- 2025-12-18 [Man charged with ‘jackpotting’ incident at Weston bank - WSAW](https://news.google.com/rss/articles/CBMiigFBVV95cUxOUW5DVGdaOUNORFJLVmk2ejdjWGktSGpXaXVqMTQ0NzBwT1UyRGhQQWVqWG9ZSFRiYXFYVzFYVWFvWTlhdV9DclVqaXJMODVnMXYta3M1eVU4TWVlRHQ3LVFMWHg4ejFxWE1xR1FHb1E5Zm4wWkppUjljbWNTTnBJU3NndHFpRTJvNUHSAZ4BQVVfeXFMTjEyMFVrWXFVNXlzQkRSZXFwal9Nem1CVE5OOGxRM0FfS2dUSUh6ZUFublM5bnJnRzIwOFNDY1BJcE1mc1NVZG5vdVlKcF8wX2g3LTlmMnFIalJ5cU9aQThvUndzQzNOX3dENUJKSnR5dlhESkk2RTlkUDdJWk8xN3UwN2ZpemdNWUsxejlzeGhfNDd1VnZFQmxqUmFxSHc?oc=5) · WSAW
- 2025-07-21 [Paul Stephen Schultz Obituary Nov 29, 2006 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiZkFVX3lxTE03UVFCNklzTGp1ZWQ1RmZ4RFByZDlycDRaS1dCTTQzemI3bktMRWxxRjF0cElFRHNPcFp6ckJTckVCZ2YzN2hHYWtLdVBHY3pOemxnWWZMX2V5SE5fbU5XcGF6bTFTQQ?oc=5) · Peterson Kraemer Funeral Homes & Crematory Inc.
- 2023-07-10 [Food drive: Help feed local families - waow.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOalhUOXctelhHX29IMlZ4Yk14ZmNQbGtVazMxQnhGbC1nZUxMZUtCdFhFczY0aEJGOXNmOWFSMmEwaTE5UFgwWmlsQ1pkUVdHNTJLMGlteHN0UDh6bVhVYkhsRDl3YlZjMG8tUVVoOHhMSzE0SGtpZUZwYkdrLUJfUE9aYWVDLThKNXE5aTdYNEtKQkNmLVl2LTFhZWpDUlExekVPZGpFZmZUY2p4QVpMTklSYW1WeTdLMkVLWkRwaw?oc=5) · waow.com
- 2026-06-09 [Susan Jean Johnson-Fenhaus Obituary (2026) - Wausau, WI - Helke Funeral Home and Cremation Service - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPVURGM09vMUZzQzNXTlFaQ0dQaDJfQWFaY0FEaXlMY29SdjNfYXpKT1F0NmNVNThpQlo4Nm00OHQ1OVA2a3F4Y24xOFRaT0VjV2FxVE1SeXBaOUtSYm13X0lGYVhINktBZlBoWXFublV4TnlTcEZMWEE4dW5tSnJKTEJjc0kydHFiZ2h4Wg?oc=5) · legacy.com
- 2023-08-20 [Clifford R. Knapp Obituary - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1IazFMRmRVR0M3Yi1SZlBsQmdvNTM3SEdia2tPaFdGWFRJOGJWcTJqQ3JmQi0tUjZiaWgyc0NsR194d09nMUhOR0dibGZ3dkJTY3dHMnN3VzM3T1FGRWxqZmVNYVF1c0k?oc=5) · Wausau Daily Herald
- 2024-11-14 [Ralph Emil Kohnhorst Obituary Nov 14, 2024 - Peterson Kraemer Funeral Homes & Crematory Inc.](https://news.google.com/rss/articles/CBMiakFVX3lxTFBNWTVXZDVOSS1OLVotNl8wQXRpOVNZNTQ3ZDBia3Bhd2daSEMwempLUmlRc0huNkxrRDJCRkZacVQ0RTVDN3FBQ3d4VWwxc1FnUVpOZ3BqeFhNVTd3M045SUFmTkN4R3NMbmc?oc=5) · Peterson Kraemer Funeral Homes & Crematory Inc.

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67000 (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 "67000", 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=67000
- 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