# MARSHFIELD MEDICAL CENTER
Marshfield, WI · NCUA charter 67066 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/marshfield-medical-center-67066

Who the members are: state charter, organized 1965. 3,651 members of 41,000 potential (8.9% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $93.0M |
| Members | 3,651 (-1.3% YoY) |
| Full-time staff | 12 |
| Net worth | $6.9M |
| Net worth ratio | 7.4% (p2 of band) |
| ROA (annualized) | 0.40% (p34 of band) |
| Total delinquency | 0.08% (p10 of band) |
| Net charge-offs (annualized) | 0.03% (p22 of band) |
| Loans / shares | 67% (p62 of band) |
| Cash / assets | 16.5% |
| Borrowings / assets | 10.75% |
| Net interest margin | 2.72% (p9 of band) |
| Operating expense / assets | 2.66% (p21 of band) |
| Vehicles % of loans | 16% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 8% (p62 of band) |
| Vehicle delinquency | 0.13% (p19 of band) |
| Vehicle NCO | 0.01% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 4% |
| Average share balance | $9,228 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.4M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $20,253 |
| Loans granted, annualized | $15.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.4M outstanding purchased (35.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 2.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | members leaving |  |
| 2018-12 | 1 |  | members leaving |
| 2019-03 | 2 | members leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | delinquency rising | members leaving |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | net worth falling | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 5 | capital below 7% |  |
| 2022-03 | 2 |  | net worth falling, capital below 7% |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 3 | delinquency rising, leaning on borrowings |  |
| 2023-12 | 4 | net worth falling, assets shrinking | delinquency rising |
| 2024-03 | 5 | capital below 7% | assets shrinking |
| 2024-06 | 5 | delinquency rising | net worth falling |
| 2024-09 | 2 |  | capital below 7%, delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | delinquency rising |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |

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

- 2026-06-17 [Marshfield Medical Center Credit Union to Host Root Beer Float Fundraiser at Clinic - onfocus.news](https://news.google.com/rss/articles/CBMiakFVX3lxTE5hdnBZaGl2U3ZwcWJxWXJEdGJQNTFnTE90bWlyV1V0VmhmdGtrdXBjUG5iYjZaenBaSnYyN0FyeXFFaDZoZVlnemg3WEJSei1fTGNObzBKYTdKcUVvTEphbEU2Z05WUXU2MGc?oc=5) · onfocus.news
- 2025-06-23 [Healthcare Credit Union Association welcomes new board member from MMCCU - CUInsight](https://news.google.com/rss/articles/CBMiswFBVV95cUxOMmp0RFNDZk1sMDhJOFg1VGRlVm8yai1ISEsyWWNLX242dmZ3WW5ROUZjR2hBSnc2bmFkSXFUVDk2TVpmdE9QZXJXNTRRdTNnbUwtZHRjbTU0TDVZTHpJYlFoa1VocVc0MWJHTmhUa25KbmNuemNwSjYzNklISzY0U2RScGRYb1ZnYVVmME43c0pNUS1LdXBGdDhnNktaUklSWTFfblgxUGJnQUdPNUpDWWxodw?oc=5) · CUInsight
- 2025-08-05 [Stephanie Rasmussen promoted to assistant VP at Marshfield Medical Center Credit Union - Marshfield News-Herald](https://news.google.com/rss/articles/CBMi8AFBVV95cUxNb3VjdFpQbHk1OW1Qc21jd2xlXzRpekVFVmhIUXNRZjFGRHNwZUpiZEFlQmlVenJ2YXNzb1R6UnV3RzFMQzlneUlIa19CUUk5aWpEQ1dnaWZlTzVpWmlEQ0E3UTlPMEdJMS1Vd2M3LThyX3JOQXdaR2g2SmZyOGc0WmVyMUNua0pLbk55elpoamNWdXRzSkZZd0QzMUdYZEF0dEVKOGZ6Q081QTV6QWZsdUZrbXhZWkwtYVl3VWptQUQ5Rk51cnhlYlczRzlhaVNFODdWdWRhdV9XSzI2TGg5VlJtMlNKVVBScVQxUjJINzg?oc=5) · Marshfield News-Herald
- 2020-05-13 [Obituary for Leonard L. Reineke - hansenschillingfuneralhome.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1CMVhHdGc0TDFYNDJsQnNsSC1ERE1yNzNUM0xjbWZvY2I5bVJXY0NmUjVZRE1SWXN2YkhkeDBNX3VNeFJER0c0VjJSblQyeWZPNU5wa3R6VTlMNm1fQ1V2WDBkNkExV3htbnpyXzk3bkJoOERfUlE?oc=5) · hansenschillingfuneralhome.com
- 2019-12-01 [Michael Blackwood Obituary (1953 - 2019) - Marshfield, WI - Marshfield News Herald - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPRzRHRnNkVE0zTWx2RDlTRF9IQUNtenpLQlFiTkNPcWJlM3ZjUl90Z0lNblFuTHUxaW9PTFcxOUxERzhwckt6NFkyTlgzd1hEZW9fQTV3RU44MkNjN1VROHJubHdZSWJfQk5VR3BsUkJRTlY1UDFLSVVnNnNlWi1qSHlaYXprdU8xSC04ZHIwdUNfbFZxTlFIQkdzUHB5bVVnb09V?oc=5) · legacy.com
- 2023-03-28 [MMCCU to Sponsor Melody Gardens Skate Night - onfocus.news](https://news.google.com/rss/articles/CBMieEFVX3lxTE5BMk5TTmM4UVZYeGFhWnhGalctOTAwNnVldFJNOGstS0c4cS1ZT3JOUG1ENkVLaUJSU0UzbjlUQ3F2UnI5Sks2clZhV3BwOTB2NzBZZ1g0d2pPcEo1dTZZOG9US19DTFZFeFMxTElPQWh5OHdHTGJRZQ?oc=5) · onfocus.news
- 2026-07-13 [Motorcyclist critically injured after fleeing deputy in Wood County - onfocus.news](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQb0MzQTBjRUVaQlcyREJjNlpPRklQOUl3VlZSUVlWQkc4d0VHLVVvRG1Tc1NuZzFrWVgyeEsxQ0l4LXllc1RzczU5S1hNV2FienJCM1VBMW1ZMm0talpLc2ZjZTR1Xy1UQU5ONnRRblg1d3JNYTU2dy1vTEM5VGdTNVh2NmZXbU9NeEtUc25VRWFoeDl0Qi10NU43anJwbnRnbFZqWWhFTUdCUQ?oc=5) · onfocus.news
- 2022-09-21 [When to Start Saving For College and Tips for Paying for it - onfocus.news](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdGdOT3FuNVhxRDllR3N6aFBJWDlXM3Vma1pYYWkwY2lJMzdUNjdDY0IyWkJwRmM2RURLbFN1U3doWTFqdVN1VkZSTHZwbjRIYWxzRllfdHV2c3V3MFdqcGhzbUVrcmo0b0JiWERBNkpCS1N4YkZ3LVhub20xbEJLMl91emdwNk5nOHNBNnF3?oc=5) · onfocus.news

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67066 (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/58.json (key "67066", 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=67066
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide