CENTRAL WISCONSIN
Charter #66513 · Plover, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.09% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 50.98% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 41st — a 16-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 | CENTRAL WISCONSIN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $55.16M | 13th pct | 16th pct |
| Members | 3,596 | 20th pct | 26th pct |
| Net worth ratio | 10.47% | 25th pct | 41th pct |
| Return on average assets | 2.09% | 96th pct | 98th pct |
| Net interest margin | 3.87% | 59th pct | 66th pct |
| Cost of funds | 0.68% | 33th pct | 34th pct |
| Loan-to-share | 63.54% | 54th pct | 46th pct |
| Delinquency 60+ days | 0.17% | 17th pct | 21th pct |
| Net charge-off ratio | -0.00% | 13th pct | 21th pct |
| Loan growth YoY | -4.13% | 25th pct | 15th pct |
| Share growth YoY | 4.61% | 70th pct | 80th pct |
| Efficiency ratio | 50.98% | 4th pct | 2th pct |
structural peer set hash: 1df02778a8e180736d0ff38386306f10… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL WISCONSIN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.