WINNEBAGO COMMUNITY
Charter #66437 · Oshkosh, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.65% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.74% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.15% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 46th — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WINNEBAGO COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $173.20M | 41th pct | 38th pct |
| Members | 8,576 | 22th pct | 44th pct |
| Net worth ratio | 13.65% | 76th pct | 80th pct |
| Return on average assets | 0.85% | 60th pct | 61th pct |
| Net interest margin | 2.74% | 7th pct | 11th pct |
| Cost of funds | 1.78% | 80th pct | 52th pct |
| Loan-to-share | 83.00% | 75th pct | 48th pct |
| Delinquency 60+ days | 0.15% | 10th pct | 13th pct |
| Net charge-off ratio | 0.09% | 17th pct | 46th pct |
| Loan growth YoY | -2.74% | 19th pct | 7th pct |
| Share growth YoY | 3.72% | 54th pct | 52th pct |
| Efficiency ratio | 74.59% | 36th pct | 38th pct |
structural peer set hash: e9d058f81c2a50dccd110025e569de86… (reproducible)
Closest structural peers
This is the free public view
Claim WINNEBAGO COMMUNITY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.