# FORT COMMUNITY
FORT ATKINSON, WI · NCUA charter 67184 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fort-community-67184

Who the members are: state charter, organized 1940. 21,627 members of 1,477,888 potential (1.5% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 80.

**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 | $419.3M |
| Members | 21,627 (-0.1% YoY) |
| Full-time staff | 68 |
| Net worth | $51.6M |
| Net worth ratio | 12.3% (p65 of band) |
| ROA (annualized) | 0.21% (p15 of band) |
| Total delinquency | 1.45% (p91 of band) |
| Net charge-offs (annualized) | 0.41% (p52 of band) |
| Loans / shares | 88% (p84 of band) |
| Cash / assets | 6.2% |
| Borrowings / assets | 6.21% |
| Net interest margin | 3.58% (p52 of band) |
| Operating expense / assets | 3.26% (p32 of band) |
| Vehicles % of loans | 22% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 61% |
| Third-party paper % of net worth | 83% (p51 of band) |
| Vehicle delinquency | 1.63% (p89 of band) |
| Vehicle NCO | 1.02% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 37% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 25% |
| Average share balance | $6,289 |
| Participations bought / yr | $85.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $46.5M |
| Loans outstanding per 100 members | 80% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $17,094 |
| Loans granted, annualized | $117.9M |

## Participation posture (from the same filings)

Bought $85.4M and sold $0 in the latest annualized quarter; $46.5M outstanding purchased (90.1% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

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

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

- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2024-06-09 [Fort Community Credit Union Provides Financial Literacy Resources To Local Students - Daily Dodge](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPeE9jMkZoZ2Utalh4cVhoaEtIQjBIWHBIZ0FiaFprdzEwcVp3TjFmTUlqWlVxTHE4V2hNUkV4YzM2S0hTTDBIam14Y3VoVWQ5ZzJQV3FoZ05jNXphRXV4cm1yRW0tVmxhYS1uTXZ1NVphYjVCU3FYT1E3TGNzTzlNMW1vcVFoRVhVRmdRMEZXY2IyUXk3Ul9vNW1XUGg1S0laaExwbk1vTzduX2M?oc=5) · Daily Dodge
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2025-11-10 [Fort man in custody after Badger Bank robbery | Fort Atkinson - Daily Jefferson County Union](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQSFFGYThWTkltd1Q3cE0zbGFDWnVOcDNUR3NERXRRNkJzcXg3bHc0QTdfZVNlZDZiaVl0YjhJc21lcWpMQTBicVlnT3RDLVlHTXpHZzJvdGNKWThpWElFU1ZLb3lnLTc0VmtsakxfemZsSXhmQTFLejhiMDdOUERUSjBfV2dxYV9ycUtudEJDN093N25KMVdrSXd6TU80cUNYQ2VSWkJHMXhxS2ZfOHowVlpHY2F5NnJ5cWpSRU1oaFZha1c5ajVFcXZwaVhsZ3ZnTzNKVXhFRTU?oc=5) · Daily Jefferson County Union
- 2024-02-26 [Corporate Central welcomes Charlie Zanayed to Board of Directors - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQTXRqTmRBNjZ3RGowX3ZldUR6NkdUcWgtcFFwTHo1LUJfcG9KcVBOSG5KZ0lsemFQR05GSk9LZnVmOWl0ZHNJM1h4bzVyYUhtQ1RwQ052ZjFMVmtZZUVlX0dic01Ra21FaU11bHhQcFpmVWVuQnNuZlRPWVd1VFpoZU1GTHdfek5lMFRZcXNVX20xVms1WnhVWFFIUFVWcjBzXzFnd2o3cng?oc=5) · CUInsight
- 2021-07-01 [Suspect in custody following Oconomowoc manhunt - FOX6 News Milwaukee](https://news.google.com/rss/articles/CBMihgFBVV95cUxOM21YRlNSQlhjbm83OWY2bEMxMzRnLUFwMG1TV1prOHF0MnVkZllRVkZrWlRuQmZ0ZGVfQlN0bVVmZ0VJVEk0dUJPTVotMF80d0hLQjZtaV83RFNqMjNndkV1MDRFYU9oRGpyWWJjelNBaEJIT1NnTmdXMVNkWFhTeEJ0MmhLUdIBiwFBVV95cUxNTDVtMUU5cVFVQ1d5N255MkdNUmU5elVPTkt3MjhaTDRjWnVqbWZDQS1MSURaNExSYlROMGg3anpLYlE0M3JQaG0yMGpvQ2lVbHNNNk5lVUpQWGlHSkptMTBMOHAwR090Z3l3LWZMN2FQSHgxdWVKUkRHTmJkSXNUdWxDUGtNSExuYTJN?oc=5) · FOX6 News Milwaukee
- 2025-06-06 [A parade of dairy cows lining the streets of Fort Atkinson celebrates legacy of WI dairy industry. - Wisconsin Farmer](https://news.google.com/rss/articles/CBMiywFBVV95cUxNVVNyT3ZXUFdGVlBWREJobHgxekZ6ejVoWDFhSnl6d1MxVUlncG1mN2R1TU1UQUVucDFMc3ZVYVZHV2RBU1R0VGlTT2R2NV9Xb2tBQzdEdlM3bUoxSU8tQjY1N2RFNlk0ZEctX2ljcFhVbGZtSW51cGIyWko3WE04ajBkdDloWmtSdHg4QWQ2UVdVZWR5VHBzVVpkRjhaeFpjVlR1V1VYdExITHM2Um1HRXBqT3VpaGlwMUtCN0Q0dldZNVNSOXBLZ2pqMA?oc=5) · Wisconsin Farmer
- 2020-07-21 [Peace Eagle joins FCCU team - wdtimes.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQXzRTbjIxa1luSXFZLXozTnVHSXB2blNKMkdPQWozZVRzQ3k3V0hZaTdRVjBtdHJfQ0VkdUVyM1JZQ2NycWlqelhwUUlyY2hiN09xSXRFZ0xBWG9jMW9qR242ZGVfb3BLcHU5eEFYUmE3Y0tTWmwzTUJkZG9Ba2kydVowcmtmZ1MzbjN4YkJ2a0x5eVRxcTZoR01jbVJGcnRVVngtMng3NDdFZkV5VFBZ?oc=5) · wdtimes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67184 (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/48.json (key "67184", 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=67184
- 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