# FIRE DEPARTMENT
SUPERIOR, WI · NCUA charter 67065 · asset band <$50M · latest filing 2017-03 · stopped filing after 2017-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/fire-department-67065

Who the members are: state charter, organized 1932. 413 members of 1,000 potential (41.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.1M |
| Members | 413 (-10.4% YoY) |
| Full-time staff | 1 |
| Net worth | $189,691 |
| Net worth ratio | 17.6% (p77 of band) |
| ROA (annualized) | -2.31% (p3 of band) |
| Total delinquency | 2.52% (p80 of band) |
| Net charge-offs (annualized) | 0.00% (p34 of band) |
| Loans / shares | 61% (p60 of band) |
| Cash / assets | 49.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.79% (p43 of band) |
| Operating expense / assets | 5.10% (p87 of band) |
| Vehicles % of loans | 60% (p61 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 4.22% (p92 of band) |
| Vehicle NCO | 0.00% (p34 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 27% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 53% |
| Average share balance | $1,971 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $5,687 |
| Loans granted, annualized | $40,560 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 | net worth falling | auto monoline |
| 2016-12 | 3 | auto monoline | net worth falling |
| 2017-03 | 5 | assets shrinking, members leaving, loan book shrinking | auto monoline |

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

- 2026-06-09 [City delays decision on former credit union demolition amid UWSP discussions - Point/Plover Metro Wire](https://news.google.com/rss/articles/CBMiowFBVV95cUxOQlJiYTU3WGVraV9MbmZFaENuckxSakQzWm9wU1djc1hUaDdzbUt1ay1pRmNkZFUtbzBBOXBRX0dSMDZpSGtmbXhPWFAwLWdHLTZpRkQ3ZEVsMFk5WWlvZGJFMjl4Vjh6OXY5R1dWV1pBdHhVbHFicGxxSC1lWFBWUXdLS2NaTnJoUEI0MjJ3aGJlR093ZU5lTDMzcDQyb3FpMGZN?oc=5) · Point/Plover Metro Wire
- 2026-04-01 [Local Fire and Police to Faceoff in Second Battle of the Badges Benefitting Local Nonprofits - YES! Weekly](https://news.google.com/rss/articles/CBMigwJBVV95cUxPZGViLWhBX0VnVjd3eVRUYjU0aUJ0QU9SMlZ4cUd4NmNlMVJRWEdtNFdEdTBmOC1ieTB1TzN1Yy13NkdGRlNNWk4tRHNYSkFKUnVPc2NVWThtYjdOR3Y2Mm45YThDQ2ZuUlhRamlmSUhEZ005SU9Kb3ZBS1RmUU9ySUVXdlhWM1BXUk8temFNc2JXNTFfY05ibHkxNXB6dURxZVc1V05jdHJ5RDBqTkF4NkdZcFo0T2FTWFpCdWVMWk4takVHYi01NDdwRTEzZUc5LTh1M3JOWHFJNkJINnp3bEViakN0WmNWclJ6UUg3QTcwV1pPNWpNaWZ0VkVpa003Z04w?oc=5) · YES! Weekly
- 2026-05-18 [New concert venue to undergo fire inspection after fire alarm scare - WISN](https://news.google.com/rss/articles/CBMirAFBVV95cUxPdmkwMzBXcUt5VE94VkxtZXVTeDhfUmJTUEZ1akRfck5ZUi01b1ZMN2tSdElIRm9jX1c5dzdwZUlRTGF0T3FYWmFLUVdRbndhelVjUHJYNnQtR09rYUhRRktFbFU3Y2lGWDBFSVBtaTV4MzgyczJFbTV3a2JzOGR3TnlUaHFYRGhKU09NNmNHd0JOajJUQXA2OHhTTlBxSkp2NENFRTBrc0xUZnBH?oc=5) · WISN
- 2026-05-17 [‘It could’ve ended very badly’: Fans criticize communication after Landmark Live concert cut short - TMJ4 News](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQMXZRR0dwUXhsSkNQNENjSVM2T3M0YklVWWRVbG5HbkNjZ3UwN21wSnZvbjRtOERnN2YzNDRDSFpHajdLcXhFVzFvVWNmTG13NjZoMDEtRENIVHY3RFlaanRLRkxDUXVEUXlKbHJFZlNjSHdOOFZBSTlQelB1SkFsMFZucldXc3ZXTzJPOFF6eFVGcWl0Y3NhLTJ1a3gxaFRVWUpRWFlIUFhCOUpBRW9ldGN1amtXc0g2S1NaNExJdHFreGJHUTM3aEdGOF9abEdIMm9CSjg2ZkRnUHZ6eUxDZ3VYRnp4al9NSmpRYXloMnJrdGs1NzhQTkZR?oc=5) · TMJ4 News
- 2026-01-28 [Who will win Manitowoc Chamber Awards of Distinction? Nominees are ... - Herald Times Reporter](https://news.google.com/rss/articles/CBMiqgFBVV95cUxObHhyRGc0bGVFRUw5aGlZUmxPQ0E4R2dUQWlWUkxJMTNIUlhXZGEzU3VGQjIyWjdsMDVZVGhrZDFLSWtyU0MyVUxGSjhCQmFBa1JYcVZtWnlQRTBLS2hybFVDWExnVjU4SWtWR3JLZ3ZibVVBN0NzTVZpLUl1WHVPLVc3TDF5WV9hS3RHcm5xdDlOWUtBcjI3eVpINGl2Z09LY18zUUR5UWpnUQ?oc=5) · Herald Times Reporter
- 2025-12-05 [Hartland Fire Department joins in on food drive - GMToday.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOblFvQVBKcjhLRnU5MFlkcE95UWlDQ2hTS0FTV0hVVy1kSTZIbWpYSlBQYVpKdGFYMmRZWDdNLXRoNnlYR3RSQWltTmxWVDhFekFYQndQX3hzOHJxQ2FfZ1N2ekxJZDFZUzRHSktWYUt1dVN6M0lGZ2did2d6TVNzTUh0eGRVUkd2N3UwZXBnaldpbTdnV3ltRDhUOW92SnlnVy1OQU5RUU00NUhQN0pYX1l2N0poTnNIcDFxeA?oc=5) · GMToday.com
- 2026-04-21 [Gateway’s Sabrina Morgan Honored as Distinguished Alumnus at Leadership Kenosha Graduation - Kenosha County Eye](https://news.google.com/rss/articles/CBMiygFBVV95cUxONjI2M0tna0N3OFY3dFd3RVUwQlVkZkh4LWtxaWtBVXdoTFIxMDJRaVJnQ1BqY0tQV1dORXhBN09jSnR3LXFuMF9qOUpYZWNBWUpGWlpCRmtxVkNodDE1VkpLaHMzQWo1RnZYMjRzSzBvREtMeThHUWJDUmdJQ1hkSkJUdlR5UW1aRUUxTGtuVjJhSFlKRlRVdVRQLUhFZ1MxTm4zNi1PNVFBQXdRQTZweFMxSHFGc1VRbHpMYXlwSnZhRFZxTVN2TXZB?oc=5) · Kenosha County Eye
- 2026-01-29 [Nominees Released for the Chamber of Manitowoc County’s Awards of Distinction - Seehafer News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOc0V4ODJmTHdlMWU4TUhmZkgxQnNvUVViR3lKcDZVa19mV21neVJJbTlhV05RN1pfZWlKNHpmUzN4Q2daa1RYSWxMNjJHTFI4TmptQzZpTWxhTDY2eWxJZldCaEJ0eVFQNjljQlNTN1dCU1pNT1VOSlh3cHpYZDhJOWxDaVBXVDFUX0Z6Z3RDVVVOUmxqTzlFV3VaN0xWSG5oV2pIcTExYnlFYjJfREhIY3hMWWxHUDZE?oc=5) · Seehafer News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67065 (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/57.json (key "67065", 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=67065
- 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