TellerScore

Kohler Credit Union is a federally insured state-chartered credit union headquartered in Sheboygan, Wisconsin, in business for about 88 years. At the end of Q2 2026 it reported $776.4M in total assets and $662.0M in member shares and deposits, with 14 offices.

Kohler Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 56th. Problem-loan coverage contributes the most (91/100, 4.5%); capital cushion contributes the least (58/100, 10.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.80%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity64/100
Loans ÷ shares: 95.8% · 4.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.52%

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 4 points (67 → 71), mostly because the capital cushion component improved by 9 points.

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202467
Q1 202568
Q2 202567
Q3 202570
Q4 202570
Q1 202670
Q2 202671
Net worth ratio
7.00%8.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.47%
Q3 20248.68%
Q4 20249.88%
Q1 20259.78%
Q2 20259.91%
Q3 202510.48%
Q4 202510.63%
Q1 202610.72%
Q2 202610.80%
Delinquent loans (60+ days)
0.17%0.37%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.53%
Q4 20240.40%
Q1 20250.24%
Q2 20250.45%
Q3 20250.57%
Q4 20250.53%
Q1 20260.30%
Q2 20260.32%
Return on assets
0.41%0.89%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.58%
Q4 20240.95%
Q1 20250.86%
Q2 20250.97%
Q3 20251.37%
Q4 20251.28%
Q1 20260.94%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$776.4M10.80%0.32%1.03%95.8%
Q1 202670$762.1M10.72%0.30%0.94%93.2%
Q4 202570$751.6M10.63%0.53%1.28%97.3%
Q3 202570$745.8M10.48%0.57%1.37%97.5%
Q2 202567$748.4M9.91%0.45%0.97%96.7%
Q1 202568$737.4M9.78%0.24%0.86%92.6%
Q4 202467$713.9M9.88%0.40%0.95%96.5%
Q3 202459$615.2M8.68%0.53%0.58%95.5%
Q2 202461$613.3M8.47%0.17%0.41%91.5%

1,341 peers · $100 million – $1 billion

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 ratio10.80%
41st
Problem loans0.32%
80th
Net charge-offs0.10%
85th
Return on assets1.03%
68th
Loans to deposits95.8%
6th
Uninsured deposits4.4%
67th
Loan-loss reserves0.00%
50th
Texas ratio4.5%
45th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Choice Credit UnionCredit union Superior, WI56 out of 100, Moderate$730.3M7.5%0.57%vs
Heartland Credit UnionCredit union Madison, WI74 out of 100, Strong$666.8M11.7%0.42%vs
Co-Op Credit UnionCredit union Black River Fal, WI70 out of 100, Strong$626.8M11.6%0.80%vs
Blackhawk Community Credit UnionCredit union Janesville, WI68 out of 100, Moderate$947.3M10.8%0.63%vs
Simplicity Credit UnionCredit union Marshfield, WI57 out of 100, Moderate$546.7M9.8%1.22%vs
Pcm Credit UnionCredit union Green Bay, WI68 out of 100, Moderate$514.6M10.5%0.61%vs

Deposit insurance

Is my money safe at Kohler Credit Union?

Yes. Kohler Credit Union is a federally insured credit union (NCUA charter #66872). 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 4.4% of shares and deposits ($29.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.80%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

14 locations

Branches

Kohler Credit Union lists 14 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kohler Credit Union reported 913 home-loan applications under HMDA (LEI 5493000FRWKMPAALEY22): 713 originated ($128,405,000 total), 71 denied, and 125 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.0%, 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
Kohler Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66872
RSSD ID
50993
Primary regulator
State + NCUA
Established
1938
Headquarters
5727 Superior Ave, Sheboygan, WI 53083
Employees
191

Quick answers

Kohler Credit Union: common questions

Is Kohler Credit Union NCUA insured?

Yes. Kohler Credit Union is a federally insured credit union (NCUA charter #66872). 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 Kohler Credit Union's TellerScore?

71 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 Kohler Credit Union have?

14 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sheboygan

InstitutionScoreAssetsCapitalProblem loansCompare
Sheboygan Area Credit UnionCredit union Sheboygan, WI97 out of 100, Very strong$93.4M15.3%0.13%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Great Midwest Bank, S.S.B.Bank Brookfield, WI80 out of 100, Strong$1.1B16.5%0.56%vs
State Bank of ChiltonBank Chilton, WI80 out of 100, Strong$516.5M12.7%0.58%vs
Oostburg State BankBank Oostburg, WI79 out of 100, Strong$440.2M11.6%0.13%vs