# N.E.W.
Oconto Falls, WI · NCUA charter 67017 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/n-e-w-67017

Who the members are: state charter, organized 1962, low-income designated. 12,194 members of 300,000 potential (4.1% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 134.

**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 | $172.1M |
| Members | 12,194 (0.7% YoY) |
| Full-time staff | 40 |
| Net worth | $19.2M |
| Net worth ratio | 11.1% (p42 of band) |
| ROA (annualized) | 1.24% (p81 of band) |
| Total delinquency | 0.52% (p43 of band) |
| Net charge-offs (annualized) | 0.09% (p20 of band) |
| Loans / shares | 71% (p52 of band) |
| Cash / assets | 22.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.96% (p67 of band) |
| Operating expense / assets | 3.33% (p38 of band) |
| Vehicles % of loans | 28% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p42 of band) |
| Vehicle delinquency | 0.34% (p33 of band) |
| Vehicle NCO | 0.27% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 63% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 13% |
| Average share balance | $5,358 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.0M |
| Loans outstanding per 100 members | 134% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $6,522 |
| Loans granted, annualized | $49.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.0M outstanding purchased (25.8% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 11.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2019-09 | 1 | delinquency 2x band | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency 2x band |
| 2020-09 | 1 | delinquency 2x band | net worth falling |
| 2020-12 | 1 | margin squeeze | delinquency 2x band |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 0 |  | assets shrinking, delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-03-23 [Universities of Wisconsin, UW Credit Union launch free short-form online learning series on Artificial Intelligence - Universities of Wisconsin](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOLUNBUDZkNUM1SlpOM3g3WXVWX3ZRVDVVSFQtNnpQM2dDX25DZTBURTk0SUU0LThTWHRPUWVkVTJ4Q1JwR2pTY2ZKMlFNS3YzaVRSaXRCak5McVZsbDdFalY2ZzlXZ0NBRmNjRnJnVnk4TmlLTDVCSUk5X05KQkJjdUlYd3M5ZXJORDI2aFZ2SWZJcWdPQUdyOGx2UUFDb29XRHJNWS1kclNJLWd4blJIZlB0S21TYWU3RElNenoxMVhISUJKM1hHWkFBMURKS0dBUWZDZDJFNW5oTUVMdk9fcjQ2UG1OZFFEaHc?oc=5) · Universities of Wisconsin
- 2026-05-01 [Park City Credit Union to host grand opening event and ribbon cutting at new Wausau branch - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMi0AFBVV95cUxNRThiZU54MklSWFppSGNuRlVpajZ2aGZ2anJ1dndraV9JdDBNRDRpRjljNnd5Y0tINEtZUjFwbUtRU1JFeEpUYUh6YkNFTTdfdEJmVm1LRlZCUW9qenJpcXVEOWthMUhPT3BSdVo3cXJCYWdxQ0lKWXVCR2V0SFNxcVFQRWhkVy10OTl1M2hhTDROLVJxSFdOem8xc3RxUlVhTTEzUVByaFdOal94clptMTBpVDBZV0V6ZS1RMWtDLWtOQ3JEa0JCYlZOYWFOZDFV?oc=5) · Wausau Pilot & Review
- 2026-04-29 [UW Credit Union welcomes new chief financial officer - CUInsight](https://news.google.com/rss/articles/CBMimAFBVV95cUxQSWxlX2RPS0J4V0dDdWFkNzh2VVVteUtUTGEteDB5RTBUbHo0c1NZelFRWlg0SkoxdEo3LUxKNk1iSkZ1UWticV84T1VnQm9fV0Q2NVU5RVp4b242TWRVZ01IblplOVJWaE5ZYVpPZnktNXNoTV9Nem9OdXNKWFhIVzNwSmNnU0xWZWc3VXgwOUNjRmlLSF81SA?oc=5) · CUInsight
- 2026-04-01 [City officials set to review plans for a new credit union - wxow.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNNllMLVlMTUpyR1hhT3Q2ZWI1RVU4dF9WamxxU2pHazFGOUc5aVhhaE1ha1gwWlh4VHdRQmpna2NFNnZHb2c2NzRVb2VXcDdXZHIzeU1IVUxLdkU0SS1BeVNvTlVhc0dFa2RVTWxBUUt5RTgtdTRvazNBY3dtY2lpT3NQYi1iN0EtQkhfV0tSOHNrWHlYbm1kWXhaMlF3OHhCMTZqdDh2YU5yNkttZDVCYW14UDdnbUpmajhCQzNLeEFzaG8yT0VOSlNxekJFUENXcFFwMUtDdGIzT2dkV1E?oc=5) · wxow.com
- 2026-04-20 [Landmark Credit Union sells former New Berlin headquarters for $4 million - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxON0t2SHFxRmNWUm5qd3E4TkgzWmp0WmlJTF8xMzFPbWoyb24tZDYxVEwta1hhQ0dwUmVqRHNFcTBwOW56YklxR0hkM3U0bTZoMjVYMzBLX0JHV0F3aXRJNkNLbmpicUlpTXpqV0ItZ2didGJ3VUpqNjRoT3o4WFhQRjhOeThhTWwzWlhER1pxbXFESERyRlIwNlRtTWdIYnlxbTdSdFZzSVZxQQ?oc=5) · The Business Journals
- 2026-07-10 [Community First Credit Union to Break Ground on New Manitowoc Branch - Seehafer News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPeWFTYWQ1b3NNcGJoMktwZVM0UUVaSGpoUVo5WmxtdDBkQ3FOcTNvNHpJX25sTUlFY0RWejM5X2xibTFTRm9CN0xWemoxX3A1WFgwWFgtaC1YRjRXNjJCTVhzS0M2MWJoNVFwNndvdDZRQWstRUd3NENyS2lpTXlvUjNJel9Tb1J3VzlFU2UzY21IaGFOeVZRMHJfWWplYTdHWnNXRjYyaDZIX2g4TkE?oc=5) · Seehafer News
- 2026-03-18 [Brewers Unveil New Details and Renderings for the UW Credit Union Plaza at American Family Field - mlb.com](https://news.google.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?oc=5) · mlb.com
- 2026-03-10 [Milwaukee area credit union to acquire Appleton-based business bank - The Post-Crescent](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQUUdiTEk1SlhxOFEzSUdxUVZ1NmZxYTZCbFlWcVFVdVJ4SGxiMElvSFltU3BNQldCTUZIX3ZhLW8zNmx0M1ZjNjFUWDdCWENPZmlIZHhoRkJnYnh4cG5od1NWaUNtOUtEaXVhWFktUFBjVlMxUDltQTJEY2x5a01PZWEyRFd1aEx2ek9tbTY4Yl9RWVhjeXRhM3BxYkdrWFU5Vy1UZzZFeGFFZEhVRjFNaFg2TlZOdE5XZjBuWWxzUTBjYjFaTlAwSTBweUJuZWVBZExiTW9EWQ?oc=5) · The Post-Crescent

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67017 (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/9.json (key "67017", 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=67017
- 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