TellerScore

Forward Financial Credit Union is a federally insured state-chartered credit union headquartered in Niagara, Wisconsin, in business for about 78 years. At the end of Q2 2026 it reported $85.9M in total assets and $73.5M in member shares and deposits, with 4 offices across 2 states.

Based on its Q2 2026 filing, Forward Financial Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 98 credit unions headquartered in Wisconsin, it ranks 47th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 1% uninsured), and its lowest is earnings (36/100; 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.53%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity97/100
Loans ÷ shares: 63.2% · 1.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.39%

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

From Q2 2025 to Q2 2026, the score rose 8 points (67 → 75), mostly because the loan quality component improved by 25 points.

TellerScore
677277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202474
Q1 202572
Q2 202567
Q3 202570
Q4 202571
Q1 202677
Q2 202675
Net worth ratio
7.00%10.30%13.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.20%
Q3 202412.24%
Q4 202412.65%
Q1 202512.84%
Q2 202512.99%
Q3 202513.61%
Q4 202513.26%
Q1 202613.56%
Q2 202613.53%
Delinquent loans (60+ days)
0.60%1.07%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20240.60%
Q4 20240.86%
Q1 20250.84%
Q2 20251.53%
Q3 20251.42%
Q4 20251.29%
Q1 20260.65%
Q2 20260.79%
Return on assets
0.40%0.60%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.81%
Q4 20240.80%
Q1 20250.40%
Q2 20250.52%
Q3 20250.59%
Q4 20250.53%
Q1 20260.44%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$85.9M13.53%0.79%0.40%63.2%
Q1 202677$85.1M13.56%0.65%0.44%62.2%
Q4 202571$86.4M13.26%1.29%0.53%62.9%
Q3 202570$83.5M13.61%1.42%0.59%68.2%
Q2 202567$86.4M12.99%1.53%0.52%66.5%
Q1 202572$86.3M12.84%0.84%0.40%66.5%
Q4 202474$86.9M12.65%0.86%0.80%67.2%
Q3 202475$88.5M12.24%0.60%0.81%66.7%
Q2 202472$87.4M12.20%0.96%0.81%66.1%

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 ratio13.53%
43rd
Problem loans0.79%
47th
Net charge-offs0.15%
52nd
Return on assets0.40%
37th
Loans to deposits63.2%
43rd
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio3.4%
40th

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
Fond Du Lac Credit UnionCredit union Fond du Lac, WI87 out of 100, Very strong$84.9M13.6%0.35%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 Forward Financial Credit Union?

Yes. Forward Financial Credit Union is a federally insured credit union (NCUA charter #66798). 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 1.2% of shares and deposits ($854K) 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 13.53%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Forward Financial Credit Union lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Forward Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66798
RSSD ID
944298
Primary regulator
State + NCUA
Established
1948
Headquarters
1250 Roosevelt, Niagara, WI 54151
Employees
34

Quick answers

Forward Financial Credit Union: common questions

Is Forward Financial Credit Union NCUA insured?

Yes. Forward Financial Credit Union is a federally insured credit union (NCUA charter #66798). 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 Forward Financial Credit Union's TellerScore?

75 out of 100 (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 Forward Financial Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Niagara

InstitutionScoreAssetsCapitalProblem loansCompare
Iron Mountain Kingsford Community Federal Credit UnionCredit union Kingsford, MI96 out of 100, Very strong$149.4M17.9%0.18%vs
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs
The Stephenson National Bank and TrustBank Marinette, WI66 out of 100, Moderate$676.8M10.1%1.15%vs