TellerScore

Prospera Credit Union is a federally insured state-chartered credit union headquartered in Appleton, Wisconsin, in business for about 92 years. At the end of Q2 2026 it reported $378.9M in total assets and $322.4M in member shares and deposits, with 7 offices.

Prospera Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 81st. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (33/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.09%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings33/100
Return on assets (annualized): 0.31%
Funding & liquidity64/100
Loans ÷ shares: 96.2% · 6.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.02%

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 (61 → 61).

TellerScore
555963Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202456
Q4 202458
Q1 202563
Q2 202561
Q3 202562
Q4 202561
Q1 202660
Q2 202661
Net worth ratio
7.00%8.05%9.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.64%
Q3 20248.78%
Q4 20248.85%
Q1 20258.92%
Q2 20259.03%
Q3 20259.10%
Q4 20259.04%
Q1 20268.99%
Q2 20269.09%
Delinquent loans (60+ days)
0.20%0.28%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.36%
Q4 20240.28%
Q1 20250.20%
Q2 20250.35%
Q3 20250.24%
Q4 20250.31%
Q1 20260.25%
Q2 20260.22%
Return on assets
-0.01%0.28%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.01%
Q3 20240.07%
Q4 20240.15%
Q1 20250.57%
Q2 20250.47%
Q3 20250.47%
Q4 20250.46%
Q1 20260.22%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$378.9M9.09%0.22%0.31%96.2%
Q1 202660$378.8M8.99%0.25%0.22%95.0%
Q4 202561$374.5M9.04%0.31%0.46%96.1%
Q3 202562$367.5M9.10%0.24%0.47%97.7%
Q2 202561$367.3M9.03%0.35%0.47%97.8%
Q1 202563$368.1M8.92%0.20%0.57%94.5%
Q4 202458$364.8M8.85%0.28%0.15%97.2%
Q3 202456$363.7M8.78%0.36%0.07%99.9%
Q2 202455$368.7M8.64%0.35%-0.01%99.4%

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 ratio9.09%
14th
Problem loans0.22%
88th
Net charge-offs0.19%
72nd
Return on assets0.31%
19th
Loans to deposits96.2%
6th
Uninsured deposits6.8%
42nd
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Unison Credit UnionCredit union Kaukauna, WI71 out of 100, Strong$393.6M9.7%0.29%vs
Park City Credit UnionCredit union Merrill, WI67 out of 100, Moderate$397.4M9.9%0.36%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
First Community CU of Beloit Credit UnionCredit union Beloit, WI63 out of 100, Moderate$410.2M10.7%0.77%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 Prospera Credit Union?

Yes. Prospera Credit Union is a federally insured credit union (NCUA charter #66652). 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 6.8% of shares and deposits ($22.0M) 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 9.09%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Prospera Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Prospera Credit Union reported 104 home-loan applications under HMDA (LEI 549300C25OR47JWZ1L21): 98 originated ($16,420,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, 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
Prospera Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66652
RSSD ID
1002597
Primary regulator
State + NCUA
Established
1934
Headquarters
4830 N Ballard Rd, Appleton, WI 54913
Employees
86

Quick answers

Prospera Credit Union: common questions

Is Prospera Credit Union NCUA insured?

Yes. Prospera Credit Union is a federally insured credit union (NCUA charter #66652). 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 Prospera Credit Union's TellerScore?

61 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 Prospera Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Appleton

InstitutionScoreAssetsCapitalProblem loansCompare
Thrivent Trust CompanyBank Appleton, WI93 out of 100, Very strong$15.5M82.7%0.00%vs
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
American National Bank - Fox CitiesBank Appleton, WI84 out of 100, Strong$432.6M13.6%0.00%vs
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs