# NORTHWOODS COMMUNITY
Park Falls, WI · NCUA charter 67240 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northwoods-community-67240

Who the members are: state charter, organized 1953, low-income designated. 7,947 members of 291,543 potential (2.7% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 52.

**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 | $93.7M |
| Members | 7,947 (-4.4% YoY) |
| Full-time staff | 24 |
| Net worth | $10.0M |
| Net worth ratio | 10.7% (p27 of band) |
| ROA (annualized) | 0.33% (p30 of band) |
| Total delinquency | 0.75% (p58 of band) |
| Net charge-offs (annualized) | -0.34% (p1 of band) |
| Loans / shares | 57% (p45 of band) |
| Cash / assets | 44.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p71 of band) |
| Operating expense / assets | 4.11% (p69 of band) |
| Vehicles % of loans | 57% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 102% (p86 of band) |
| Vehicle delinquency | 0.88% (p65 of band) |
| Vehicle NCO | 0.15% (p46 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 13% |
| Average share balance | $5,491 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $11,433 |
| Loans granted, annualized | $14.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 | charge-offs p90 | delinquency 2x band |
| 2017-03 | 2 | delinquency 2x band, auto monoline | losing money, charge-offs p90 |
| 2017-06 | 1 |  | delinquency 2x band |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | 3rd-party paper>100% NW |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, losing money |  |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 5 | members leaving | net worth falling |
| 2020-12 | 4 |  | losing money |
| 2021-03 | 6 | thin capital, net worth falling |  |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 4 |  | members leaving |
| 2021-12 | 3 |  | net worth falling |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | assets shrinking | thin capital |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | auto monoline, assets shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | loan book shrinking |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 | members leaving | delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 5 | net worth falling, assets shrinking |  |

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

- 2023-06-01 [NCCU celebrates 70 years - apg-wi.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNMGdyYnkwenlydEFJOUVVMVUtTVNvcVRJY2dNNlg0ZUVKMmpnUkJ1ZS0tallNY0dwTnQwaFNLbnJmbkJobW1iQXlycVRXNHRpSHZwVUdPd1B6M2dpXzFOblY2eWNPNFk5VGtXRC1tdXFDVHJNc00yTXZCeFRyMnpCUWRhLUVkZE9ZbmZ6MnVfOTNqQVVCZFRNTFZMcGM2WnhJekUtWjFHMWNFNlh1dUpXUjhTd1lLMFdG?oc=5) · apg-wi.com
- 2024-07-26 [James R Braun - The Post-Crescent](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5YdHBxeVA5Y3d4S0pnck1mNHNFaGRjT01Db1N5LWtTMG1FZ3dKejZwd2dsR3dPRnpuYVlCWk9yRDA1Wm41YlBRUkt4M1M5eXVGdnhQLTh3SW93Rmh3cV9BTQ?oc=5) · The Post-Crescent
- 2021-06-03 [THS Class of 2021 graduates receive diplomas, awards, scholarships - tomahawkleader.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNOHZ4YU4yeHA1a2phTTNiMnRSQzcyV3FMU2hFOXFfQWJqZU0wNElRcTNBRU9ySVVyVWFUYzNkV2Zub1BpaWNHcFZZWlZpUFcxYl9obXpmQ0ZsWU14SThiWUQtMkY5ZndKR1FSVWg4MHI5emRRR1ZVSUMydHpEdWt3NW9rd3VjbVVrbTVQNE4yckVSUUFPbzV3b3hIU1Foa2k1RWxsMFBFUC0?oc=5) · tomahawkleader.com
- 2026-07-25 [PIONEER DAYS UNDERWAY - apg-wi.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPY1pzVHo5N3VJQkE4aXk0b2xtTEJDcWtQdFY1MkhSNkJIaVpIVWpwNVJ2cE5lZlhOQ09ZLXNKQU9RU09KRG9CMjdyYjdQLUJDXzNWYVk5OFRnWWF2dHVfTF9CWWQ2NlAwX2NXU1RZbkNEcnQzUDRpUFlmQjloYUZTWlVfMnpfbFVMc1RlM1E2UE10ZFR2Rkx5dVFWYjZaSUNMNDBzQTRkTFViZ0NRbFQyUVZJLXhqczdw?oc=5) · apg-wi.com
- 2025-11-09 [Roger D. Reas Obituary (2025) - Park Falls, WI - Birch Street Funeral Service - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5NRk1OZVU2cW5pelN1TjRLNnlIeHpmX3p5YktDTFd5UHNCQUdVVGV3MFFQZGM1OVFBQjBWX0RSMXNHaGhFQTR3Y0xxX0xYQzRRY0QyVDFvQ2RxNnN2VmI1aERZbWhqUTJCVDVXTEp5SkJWRjBMNFkyN0VDMnhyUQ?oc=5) · legacy.com
- 2026-07-16 [68TH BUTTERNUT PIONEER DAYS - apg-wi.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNaTJkMzJBbG9ueWdwTHlpazB5Wk1UOG83WnRJcXlKdDFNSHFTWGU1MHR6ZjI1UnpCand1S1BLX0hQaUhLVDZQVV80U0xsS3hmRXpoaWZhRjcxSFF0MkkwcENmT2NDSUtUQ3phQVY1U0FjZVpaR0JuTzBLbXFIcTFXUG10Y2R2SXFYUmFmTGxpSHVyRFNBZG9YQS00RHZhYUFmUHc5ZHFFTHdBUlJOWm9fTXdaUGp0dGI1SklZSQ?oc=5) · apg-wi.com
- 2025-03-13 [Metzinger retires after 44 years in banking - apg-wi.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWnowcktHN2V2M1dHdVREU0J6LUlDYkxidHRnQkZITThNS0MzSkYtMmxpRkR0RFBMSjZITVF5bDJpS25BbEtmcVUwSGdEaEJCckM3MVkxRDgwdlM4cWozeWdDN0tqV0MyVjZ0bFdnbEtLWkhQY1NHejJiN1NNamQ5ZlpObmN4VmpIaHd4d0VGY3U1aUkwM1NySmFxa1lDemhKazN0UUtCZzhiVXlhNjBvT0FaYzBTbXo4aUt5Qi1jNklZNThxUmhIcVM4QWpBYlpVRlE?oc=5) · apg-wi.com
- 2024-07-18 [66th Annual Butternut Pioneer Days - apg-wi.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQTjYwcW1jSjFuLW1ic1RlNFB6V0VtSURsaEpJbU05Rmwyck1SVVNaMEpYSkFkYXJKRVNmUzMzSTZzS2ljcWxqcWNrdW1xMnpJV3pWc2ZvX19YQzN0ZXdfUVFmQi0xMUdXVWE1czlocV9KaWxNcHVCSzY2d1hpZ0N3alZZR3ZWWXRVdTFpbjBaT3lNLS1RQzVHeUhxMWxTcnNnX1BSc0tINEgtb0I5Rzl4NTJpVWl4Z3dXVlJHajR4bFNCaW55Znc?oc=5) · apg-wi.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67240 (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/40.json (key "67240", 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=67240
- 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