TellerScore

Park City Credit Union is a federally insured state-chartered credit union headquartered in Merrill, Wisconsin, in business for about 88 years. At the end of Q2 2026 it reported $397.4M in total assets and $339.0M in member shares and deposits, with 4 offices.

Park City Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 71st. Problem-loan coverage contributes the most (94/100, 2.8%); capital cushion contributes the least (49/100, 9.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.92%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity67/100
Loans ÷ shares: 92.8% · 7.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.85%

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 2 points (65 → 67), mostly because the funding & liquidity component weakened by 6 points.

TellerScore
656667Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202465
Q1 202565
Q2 202565
Q3 202565
Q4 202567
Q1 202666
Q2 202667
Net worth ratio
7.00%8.46%9.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.43%
Q4 20249.64%
Q1 20259.52%
Q2 20259.64%
Q3 20259.80%
Q4 20259.91%
Q1 20269.88%
Q2 20269.92%
Delinquent loans (60+ days)
0.36%0.48%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.49%
Q3 20240.44%
Q4 20240.61%
Q1 20250.42%
Q2 20250.44%
Q3 20250.56%
Q4 20250.42%
Q1 20260.46%
Q2 20260.36%
Return on assets
0.62%0.74%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.78%
Q4 20240.85%
Q1 20250.62%
Q2 20250.70%
Q3 20250.79%
Q4 20250.84%
Q1 20260.76%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$397.4M9.92%0.36%0.82%92.8%
Q1 202666$390.0M9.88%0.46%0.76%88.1%
Q4 202567$381.3M9.91%0.42%0.84%88.0%
Q3 202565$376.8M9.80%0.56%0.79%88.0%
Q2 202565$371.6M9.64%0.44%0.70%87.1%
Q1 202565$368.5M9.52%0.42%0.62%84.2%
Q4 202465$357.9M9.64%0.61%0.85%84.6%
Q3 202466$357.0M9.43%0.44%0.78%81.9%
Q2 202466$351.7M9.41%0.49%0.85%83.6%

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 ratio9.92%
27th
Problem loans0.36%
78th
Net charge-offs0.16%
77th
Return on assets0.82%
55th
Loans to deposits92.8%
12th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
64th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Unison Credit UnionCredit union Kaukauna, WI71 out of 100, Strong$393.6M9.7%0.29%vs
First Community CU of Beloit Credit UnionCredit union Beloit, WI63 out of 100, Moderate$410.2M10.7%0.77%vs
Prospera Credit UnionCredit union Appleton, WI61 out of 100, Moderate$378.9M9.1%0.22%vs
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs
Unitedone Credit UnionCredit union Manitowoc, WI73 out of 100, Strong$348.3M11.8%0.24%vs
Fort Community Credit UnionCredit union Fort Atkinson, WI59 out of 100, Moderate$449.8M11.7%1.59%vs

Deposit insurance

Is my money safe at Park City Credit Union?

Yes. Park City Credit Union is a federally insured credit union (NCUA charter #67196). 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 7.0% of shares and deposits ($23.8M) 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 9.92%, 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

Park City Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Classic11.00% – 18.00%$0—1.0%
Visa Rewards12.00% – 19.00%$0—1.0%

All Park City Credit Union card terms

Identity & history

Profile

Legal name
Park City Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67196
RSSD ID
910891
Primary regulator
State + NCUA
Established
1938
Headquarters
501 S Pine Ridge Ave, Merrill, WI 54452
Employees
104

Quick answers

Park City Credit Union: common questions

Is Park City Credit Union NCUA insured?

Yes. Park City Credit Union is a federally insured credit union (NCUA charter #67196). 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 Park City Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Park City Credit Union have?

4 offices as of the latest NCUA data.