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Wisconsin Credit Union Performance
How the 99 credit unions based in Wisconsin are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Wisconsin's 99 credit unions serve 3,909,657 members and hold $75.53B in combined assets. The median Wisconsin credit union earned a 0.89% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Wisconsin credit unions was -0.25%, compared with -0.55% nationally. Median one-year asset growth was 5.46%, compared with 2.78% nationally. So far this year, one Wisconsin credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Wisconsin at a glance
Wisconsin vs. the United States
System totals are the sum of every credit union based in Wisconsin. The share column is Wisconsin's portion of the national figure.
| Measure | Wisconsin | United States | Wisconsin share |
|---|---|---|---|
| Credit unions | 99 | 4,335 | 2.3% |
| Members | 3,909,657 | 147,031,529 | 2.7% |
| Residents (population) | 5,960,975 | 340,110,988 | 1.8% |
| Total assets | $75.53B | $2,507.50B | 3.0% |
| Total loans | $57.39B | $1,744.86B | 3.3% |
| Total shares & deposits | $63.72B | $2,143.21B | 3.0% |
| Total net worth | $8.24B | $282.23B | 2.9% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Wisconsin credit unions report about 66 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Wisconsin credit unions serve members in other states, so it overstates true in-state penetration.)
The median Wisconsin credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Wisconsin CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.89% | 0.66% |
| Net worth ratio | 12.01% | 12.44% |
| Loan-to-share ratio | 82.76% | 67.86% |
| Delinquency ratio | 0.46% | 0.63% |
| Net charge-off ratio | 0.19% | 0.33% |
| Cost of funds | 1.17% | 1.05% |
| Member growth (1 yr) | -0.25% | -0.55% |
| Asset growth (1 yr) | 5.46% | 2.78% |
| Loan growth (1 yr) | 3.31% | 0.63% |
| Share growth (1 yr) | 5.06% | 2.36% |
| Net worth growth (1 yr) | 7.81% | 5.57% |
Trends over time
The median Wisconsin credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.94% · 0.72%
— Wisconsin ‑‑ U.S.
Net worth ratio 12.15% · 12.46%
— Wisconsin ‑‑ U.S.
Loan-to-share ratio 83.88% · 69.70%
— Wisconsin ‑‑ U.S.
Delinquency ratio 0.54% · 0.72%
— Wisconsin ‑‑ U.S.
Asset growth (1 yr) 5.19% · 3.26%
— Wisconsin ‑‑ U.S.
Member growth (1 yr) -0.11% · -0.52%
— Wisconsin ‑‑ U.S.
Wisconsin leaderboards
Largest by assets
- 1 Great Wisconsin Credit Union $8.30B
- 2 Landmark Credit Union $7.73B
- 3 Community First Credit Union $6.66B
- 4 University of Wisconsin Credit Union $6.60B
- 5 Royal Credit Union $5.90B
- 6 CoVantage Credit Union $4.19B
- 7 Connexus Credit Union $4.15B
- 8 Educators Credit Union $3.89B
- 9 Fox Communities Credit Union $3.35B
- 10 Altra Credit Union $3.09B
Highest return on assets
- 1 Oakdale Credit Union 3.08%
- 2 Central Wisconsin Credit Union 2.12%
- 3 Sheboygan Area Credit Union 1.90%
- 4 Indianhead Credit Union 1.72%
- 5 Members' Advantage Credit Union 1.69%
- 6 Educators Credit Union 1.69%
- 7 Altra Credit Union 1.66%
- 8 Brokaw Credit Union 1.57%
- 9 Community First Credit Union 1.46%
- 10 WESTconsin Credit Union 1.42%
Fastest-growing (organic)
- 1 Unison Credit Union 12.57%
- 2 Sentry Credit Union 11.94%
- 3 N.E.W. Credit Union 11.89%
- 4 University of Wisconsin Credit Union 11.26%
- 5 Oakdale Credit Union 10.74%
- 6 Shoreline Credit Union 9.96%
- 7 First Community CU of Beloit Credit Union 9.67%
- 8 CoVantage Credit Union 9.64%
- 9 Great Wisconsin Credit Union 9.03%
- 10 Tomah Area Credit Union 8.95%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Wisconsin that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.