TellerScore

Fond Du Lac Credit Union is a federally insured state-chartered credit union headquartered in Fond du Lac, Wisconsin, in business for about 72 years. At the end of Q2 2026 it reported $84.9M in total assets and $72.7M in member shares and deposits, with 1 office.

Fond Du Lac Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 8th. Funding & liquidity contributes the most (98/100, 62% loans-to-deposits, 3% uninsured); earnings contributes the least (75/100, 1.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.62%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity98/100
Loans ÷ shares: 62.4% · 3.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 87).

TellerScore
768288Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202476
Q1 202584
Q2 202586
Q3 202587
Q4 202588
Q1 202687
Q2 202687
Net worth ratio
7.00%10.31%13.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.55%
Q3 202411.60%
Q4 202412.19%
Q1 202512.31%
Q2 202512.75%
Q3 202513.09%
Q4 202513.54%
Q1 202613.33%
Q2 202613.62%
Delinquent loans (60+ days)
0.17%0.52%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20240.62%
Q4 20240.87%
Q1 20250.17%
Q2 20250.18%
Q3 20250.33%
Q4 20250.30%
Q1 20260.24%
Q2 20260.35%
Return on assets
1.11%1.27%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.13%
Q4 20241.11%
Q1 20251.23%
Q2 20251.31%
Q3 20251.42%
Q4 20251.44%
Q1 20261.33%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$84.9M13.62%0.35%1.37%62.4%
Q1 202687$84.5M13.33%0.24%1.33%60.1%
Q4 202588$81.1M13.54%0.30%1.44%61.6%
Q3 202587$81.6M13.09%0.33%1.42%61.3%
Q2 202586$81.2M12.75%0.18%1.31%60.8%
Q1 202584$81.7M12.31%0.17%1.23%60.8%
Q4 202476$80.5M12.19%0.87%1.11%62.0%
Q3 202477$83.0M11.60%0.62%1.13%61.5%
Q2 202478$81.8M11.55%0.63%1.27%63.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.62%
44th
Problem loans0.35%
66th
Net charge-offs0.21%
46th
Return on assets1.37%
82nd
Loans to deposits62.4%
44th
Uninsured deposits3.0%
36th
Loan-loss reserves0.00%
37th
Texas ratio1.4%
60th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Forward Financial Credit UnionCredit union Niagara, WI75 out of 100, Strong$85.9M13.5%0.79%vs
Taylor Credit UnionCredit union Medford, WI74 out of 100, Strong$89.1M10.3%0.21%vs
Marshfield Medical Center Credit UnionCredit union Marshfield, WI65 out of 100, Moderate$91.0M7.8%0.09%vs
Northwoods Community Credit UnionCredit union Park Falls, WI70 out of 100, Strong$93.1M10.9%0.58%vs
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs

Deposit insurance

Is my money safe at Fond Du Lac Credit Union?

Yes. Fond Du Lac Credit Union is a federally insured credit union (NCUA charter #67176). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.0% of shares and deposits ($2.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Fond Du Lac Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Fond Du Lac Credit Union reported 31 home-loan applications under HMDA (LEI 54930064VBVLXORPKL16): 24 originated ($3,370,000 total), 4 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Fond Du Lac Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67176
RSSD ID
149495
Primary regulator
State + NCUA
Established
1954
Headquarters
91 N Pioneer Rd, Fond du Lac, WI 54935
Employees
18

Quick answers

Fond Du Lac Credit Union: common questions

Is Fond Du Lac Credit Union NCUA insured?

Yes. Fond Du Lac Credit Union is a federally insured credit union (NCUA charter #67176). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Fond Du Lac Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Fond Du Lac Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fond du Lac

InstitutionScoreAssetsCapitalProblem loansCompare
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
West Pointe BankBank Oshkosh, WI84 out of 100, Strong$368.8M19.4%0.91%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs