TellerScore

University of Wisconsin Credit Union is a federally insured state-chartered credit union headquartered in Madison, Wisconsin, in business for about 95 years. At the end of Q2 2026 it reported $6.7B in total assets and $5.8B in member shares and deposits, with 24 offices.

University of Wisconsin Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 66th. Problem-loan coverage contributes the most (93/100, 3.6%); capital cushion contributes the least (42/100, 9.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.21%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity79/100
Loans ÷ shares: 81.1% · 9.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.65%

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 (64 → 68), mostly because the earnings component improved by 13 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202461
Q1 202563
Q2 202564
Q3 202564
Q4 202564
Q1 202668
Q2 202668
Net worth ratio
7.00%8.16%9.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.21%
Q3 20249.32%
Q4 20249.31%
Q1 20259.04%
Q2 20259.05%
Q3 20259.19%
Q4 20259.23%
Q1 20269.12%
Q2 20269.21%
Delinquent loans (60+ days)
0.48%0.57%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.65%
Q4 20240.67%
Q1 20250.55%
Q2 20250.54%
Q3 20250.62%
Q4 20250.62%
Q1 20260.56%
Q2 20260.48%
Return on assets
0.56%0.91%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.64%
Q4 20240.56%
Q1 20250.68%
Q2 20250.78%
Q3 20250.89%
Q4 20250.91%
Q1 20261.25%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$6.7B9.21%0.48%1.11%81.1%
Q1 202668$6.6B9.12%0.56%1.25%79.9%
Q4 202564$6.3B9.23%0.62%0.91%82.2%
Q3 202564$6.2B9.19%0.62%0.89%82.7%
Q2 202564$6.1B9.05%0.54%0.78%82.3%
Q1 202563$5.9B9.04%0.55%0.68%81.4%
Q4 202461$5.7B9.31%0.67%0.56%84.5%
Q3 202462$5.6B9.32%0.65%0.64%83.0%
Q2 202464$5.6B9.21%0.60%0.80%82.3%

454 peers · $1 billion – $10 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 ratio9.21%
14th
Problem loans0.48%
72nd
Net charge-offs0.60%
40th
Return on assets1.11%
73rd
Loans to deposits81.1%
68th
Uninsured deposits9.6%
47th
Loan-loss reserves0.00%
50th
Texas ratio3.6%
66th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Community First Credit UnionCredit union Appleton, WI84 out of 100, Strong$6.8B12.8%0.14%vs
Royal Credit UnionCredit union Eau Claire, WI73 out of 100, Strong$5.9B10.8%0.43%vs
Landmark Credit UnionCredit union Brookfield, WI70 out of 100, Strong$7.9B10.7%0.42%vs
Summit Credit UnionCredit union Madison, WI67 out of 100, Moderate$8.5B10.3%0.65%vs
Covantage Credit UnionCredit union Antigo, WI59 out of 100, Moderate$4.2B9.8%1.28%vs
Connexus Credit UnionCredit union Wausau, WI37 out of 100, Low$4.1B7.4%1.89%vs

Deposit insurance

Is my money safe at University of Wisconsin Credit Union?

Yes. University of Wisconsin Credit Union is a federally insured credit union (NCUA charter #66492). 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 9.6% of shares and deposits ($559.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

24 locations

Branches

University of Wisconsin Credit Union lists 24 offices in 15 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, University of Wisconsin Credit Union reported 12,001 home-loan applications under HMDA (LEI 254900CN1DD55MJDFH69): 8,896 originated ($1,669,490,000 total), 1,663 denied, and 1,208 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.4%, 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
University of Wisconsin Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66492
RSSD ID
789097
Primary regulator
State + NCUA
Established
1931
Headquarters
PO Box 44963, Madison, WI 53744
Employees
920

Quick answers

University of Wisconsin Credit Union: common questions

Is University of Wisconsin Credit Union NCUA insured?

Yes. University of Wisconsin Credit Union is a federally insured credit union (NCUA charter #66492). 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 University of Wisconsin Credit Union's TellerScore?

68 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 University of Wisconsin Credit Union have?

24 offices as of the latest NCUA data.