WINNEBAGO COMMUNITY

Charter #66437 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

WINNEBAGO COMMUNITY has 8 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.6% in tier
  • + Relationship Depth Leader: Top 2.3% in tier
  • + Emerging Performer: Top 24.3% in tier
  • + ROA 0.36% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + AMR Growth Rate: Top 1.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 5.6% in tier
  • + Average Member Relationship (AMR): Top 7.0% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.0% in tier
  • - Membership Headwinds: Bottom 0.7% in tier
  • - Institutional Decline: Bottom 10.5% in tier
  • - Liquidity Overhang: Bottom 28.5% in tier
  • - Member decline: -15.9% YoY
  • - First Mortgage Concentration (%): Bottom 1.1% in tier
  • - Member Growth Rate: Bottom 1.4% in tier
  • - Members Per Employee (MPE): Bottom 6.6% in tier
  • - Share Certificate Concentration (%): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 7,212
-15.9% YoY-15.4% QoQ
 -8.4K 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Bottom 11.6% in tier
Assets $167.0M
+6.6% YoY+0.6% QoQ
 $-64.3M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $126.8M
-2.6% YoY-1.2% QoQ
 $-21.0M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 51st in tier
Deposits $143.2M
+6.4% YoY+0.6% QoQ
 $-57.1M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 37th in tier
ROA 1.1%
+16.7% YoY+0.7% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Top 24.8% in tier
NIM 2.8%
+5.9% YoY+1.6% QoQ
 -0.8% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 Bottom 12.3% in tier
Efficiency Ratio 66.7%
-6.1% YoY-0.9% QoQ
 -10.6% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 Bottom 17.4% in tier
Delinquency Rate 0.3%
-20.3% YoY+8.9% QoQ
 -0.6 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Bottom 17.0% in tier
Loan To Share 88.5%
-8.4% YoY-1.8% QoQ
 +15.8% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 18.3% in tier
AMR $37,433
+21.2% YoY+17.9% QoQ
 +$13K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 7.1% in tier
CD Concentration 39.1%
+7.6% YoY+2.7% QoQ
 +14.7% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#17 of 1006 • Top 0.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 21.24%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#65 of 1006 • Top 2.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 21.24%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#456 of 627 • Top 24.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.15%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -15.90%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk
#1 of 550 • Bottom 0.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.15%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -15.90%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $37.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 39.13%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#12 of 550 • Bottom 0.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -15.90%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#84 of 256 • Bottom 10.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $166.99M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -15.90%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.60%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#442 of 552 • Bottom 28.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.65%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.51%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
14
AMR Growth Rate
growth
Value: 21.24%
Peer Avg: 3.64%
#14 of 1077 Top 1.2% in 100M-500M tier
61
Loan-to-Member Ratio (LMR)
engagement
Value: $17,576
Peer Avg: $10,245
#61 of 1077 Top 5.6% in 100M-500M tier
76
Average Member Relationship (AMR)
engagement
Value: $37,433
Peer Avg: $24,363
#76 of 1077 Top 7.0% in 100M-500M tier
168
Net Charge-Off Rate
risk
Value: 0.10%
Peer Avg: 0.47%
#168 of 1077 Top 15.5% in 100M-500M tier
184
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.86%
#184 of 1077 Top 17.0% in 100M-500M tier
188
Efficiency Ratio
profitability
Value: 66.71%
Peer Avg: 77.28%
#188 of 1077 Top 17.4% in 100M-500M tier
197
Loan-to-Share Ratio
balance_sheet
Value: 88.51%
Peer Avg: 72.70%
#197 of 1077 Top 18.2% in 100M-500M tier
260
Net Worth Ratio
risk
Value: 13.65%
Peer Avg: 12.15%
#260 of 1077 Top 24.0% in 100M-500M tier
267
Return on Assets (ROA)
profitability
Value: 1.15%
Peer Avg: 0.79%
#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1066
First Mortgage Concentration (%)
balance_sheet
Value: 75.70%
Peer Avg: 30.43%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1063
Member Growth Rate
growth
Value: -15.90%
Peer Avg: 0.72%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1007
Members Per Employee (MPE)
engagement
Value: 212.118
Peer Avg: 332.881
#1007 of 1077 Bottom 6.6% in 100M-500M tier
979
Share Certificate Concentration (%)
balance_sheet
Value: 39.13%
Peer Avg: 23.61%
#979 of 1077 Bottom 9.2% in 100M-500M tier
952
Total Members
engagement
Value: 7,212
Peer Avg: 15,628
#952 of 1077 Bottom 11.7% in 100M-500M tier
945
Net Interest Margin (NIM)
profitability
Value: 2.81%
Peer Avg: 3.58%
#945 of 1077 Bottom 12.3% in 100M-500M tier
833
Loan Growth Rate
growth
Value: -2.60%
Peer Avg: 3.45%
#833 of 1077 Bottom 22.7% in 100M-500M tier