TellerScore

Sentry Credit Union (NCUA charter #66439) is based in Stevens Point, Wisconsin. Its Q2 2026 call report shows $172.5M in total assets and $149.0M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Sentry Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 45th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (49/100; 0.73%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.41%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings49/100
Return on assets (annualized): 0.73%
Funding & liquidity87/100
Loans ÷ shares: 73.4% · 5.8% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.50%

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 fell 5 points (81 → 76), mostly because the loan quality component weakened by 11 points.

TellerScore
767982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202477
Q1 202581
Q2 202581
Q3 202581
Q4 202577
Q1 202677
Q2 202676
Net worth ratio
7.00%10.47%13.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.43%
Q3 202413.95%
Q4 202413.52%
Q1 202512.97%
Q2 202512.90%
Q3 202512.90%
Q4 202512.83%
Q1 202612.42%
Q2 202612.41%
Delinquent loans (60+ days)
0.11%0.29%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.24%
Q4 20240.11%
Q1 20250.12%
Q2 20250.12%
Q3 20250.17%
Q4 20250.46%
Q1 20260.40%
Q2 20260.44%
Return on assets
0.24%0.59%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.93%
Q4 20240.24%
Q1 20250.81%
Q2 20250.86%
Q3 20250.89%
Q4 20250.86%
Q1 20260.81%
Q2 20260.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$172.5M12.41%0.44%0.73%73.4%
Q1 202677$170.1M12.42%0.40%0.81%73.6%
Q4 202577$162.0M12.83%0.46%0.86%77.9%
Q3 202581$158.4M12.90%0.17%0.89%77.9%
Q2 202581$155.5M12.90%0.12%0.86%78.6%
Q1 202581$151.9M12.97%0.12%0.81%78.9%
Q4 202477$143.3M13.52%0.11%0.24%84.9%
Q3 202482$143.7M13.95%0.24%0.93%84.1%
Q2 202482$146.2M13.43%0.13%0.83%81.3%

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 ratio12.41%
62nd
Problem loans0.44%
71st
Net charge-offs0.16%
76th
Return on assets0.73%
49th
Loans to deposits73.4%
54th
Uninsured deposits5.8%
51st
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Winnebago Community Credit UnionCredit union Oshkosh, WI85 out of 100, Very strong$176.1M13.8%0.13%vs
N.E.W. Credit UnionCredit union Oconto Falls, WI77 out of 100, Strong$178.2M11.1%0.36%vs
Prime Financial Credit UnionCredit union Cudahy, WI55 out of 100, Moderate$161.3M10.1%1.50%vs
Shoreline Credit UnionCredit union Two Rivers, WI66 out of 100, Moderate$160.0M10.1%0.38%vs
Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI93 out of 100, Very strong$185.2M19.2%0.21%vs
Ripco Credit UnionCredit union Rhinelander, WI62 out of 100, Moderate$188.8M10.0%0.90%vs

Deposit insurance

Is my money safe at Sentry Credit Union?

Yes. Sentry Credit Union is a federally insured credit union (NCUA charter #66439). 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 5.8% of shares and deposits ($8.7M) 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 12.41%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Sentry Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sentry Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66439
RSSD ID
857295
Primary regulator
State + NCUA
Established
1935
Headquarters
1800 N Point Dr, Stevens Point, WI 54481
Employees
19

Quick answers

Sentry Credit Union: common questions

Is Sentry Credit Union NCUA insured?

Yes. Sentry Credit Union is a federally insured credit union (NCUA charter #66439). 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 Sentry Credit Union's TellerScore?

76 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 Sentry Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Stevens Point

InstitutionScoreAssetsCapitalProblem loansCompare
The International Bank of AmherstBank Amherst, WI98 out of 100, Very strong$103.6M14.4%0.00%vs
Members' Advantage Credit UnionCredit union Wisconsin Rapid, WI93 out of 100, Very strong$185.2M19.2%0.21%vs
Nekoosa Port Edwards State BankBank Nekoosa, WI93 out of 100, Very strong$286.5M15.1%0.00%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
The Pineries BankBank Stevens Point, WI83 out of 100, Strong$149.1M11.3%0.00%vs
The Portage County BankBank Almond, WI83 out of 100, Strong$210.1M12.7%0.10%vs