RANKING ·
Lowest efficiency ratio in Wisconsin
49 of 98 credit unions in Wisconsin that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Community First Credit Union | Appleton, WI | 45.5% | $6.8 billion |
| 2 | Northwestern Mutual Credit Union | Milwaukee, WI | 57.3% | $286 million |
| 3 | Royal Credit Union | Eau Claire, WI | 57.5% | $5.9 billion |
| 4 | Altra Federal Credit Union | Onalaska, WI | 58.0% | $3.1 billion |
| 5 | Summit Credit Union | Madison, WI | 58.2% | $8.5 billion |
| 6 | Members' Advantage Credit Union | Wisconsin Rapid, WI | 59.0% | $185 million |
| 7 | Covantage Credit Union | Antigo, WI | 60.2% | $4.2 billion |
| 8 | Tomah Area Credit Union | Tomah, WI | 60.8% | $126 million |
| 9 | Pcm Credit Union | Green Bay, WI | 62.3% | $515 million |
| 10 | Capital Credit Union | Green Bay, WI | 62.3% | $2.8 billion |
| 11 | Co-Op Credit Union | Black River Fal, WI | 63.1% | $627 million |
| 12 | Winnebago Community Credit Union | Oshkosh, WI | 63.4% | $176 million |
| 13 | Fox Communities Credit Union | Appleton, WI | 64.5% | $3.4 billion |
| 14 | Landmark Credit Union | Brookfield, WI | 64.6% | $7.9 billion |
| 15 | Oakdale Credit Union | Oakdale, WI | 65.3% | $132 million |
| 16 | N.E.W. Credit Union | Oconto Falls, WI | 65.9% | $178 million |
| 17 | Firefighters Credit Union | Onalaska, WI | 66.4% | $133 million |
| 18 | Fort Community Credit Union | Fort Atkinson, WI | 67.0% | $450 million |
| 19 | Glacier Hills Credit Union | West Bend, WI | 67.2% | $286 million |
| 20 | Westby Co-Op Credit Union | Westby, WI | 67.4% | $1.0 billion |
| 21 | Westconsin Credit Union | Menomonie, WI | 68.0% | $2.2 billion |
| 22 | Indianhead Credit Union | Spooner, WI | 68.5% | $101 million |
| 23 | Arcadia Credit Union | Arcadia, WI | 68.6% | $144 million |
| 24 | University of Wisconsin Credit Union | Madison, WI | 68.9% | $6.7 billion |
| 25 | Educators Credit Union | Racine, WI | 69.3% | $4.0 billion |
| 26 | 1st Community Credit Union | Sparta, WI | 69.3% | $288 million |
| 27 | Governmental Employees Credit Union | La Crosse, WI | 69.9% | $122 million |
| 28 | Unison Credit Union | Kaukauna, WI | 71.0% | $394 million |
| 29 | Sentry Credit Union | Stevens Point, WI | 71.4% | $173 million |
| 30 | Cloverbelt Credit Union | Wausau, WI | 72.7% | $354 million |
| 31 | Connexus Credit Union | Wausau, WI | 72.7% | $4.1 billion |
| 32 | First Community CU of Beloit | Beloit, WI | 72.9% | $410 million |
| 33 | Kohler Credit Union | Sheboygan, WI | 74.2% | $776 million |
| 34 | Heartland Credit Union | Madison, WI | 75.4% | $667 million |
| 35 | Prime Financial Credit Union | Cudahy, WI | 77.1% | $161 million |
| 36 | Premier Financial Credit Union | New Holstein, WI | 77.6% | $132 million |
| 37 | Unitedone Credit Union | Manitowoc, WI | 77.7% | $348 million |
| 38 | Park City Credit Union | Merrill, WI | 78.2% | $397 million |
| 39 | Verve, A Credit Union | Oshkosh, WI | 78.6% | $1.6 billion |
| 40 | Valley Communities Credit Union | Mosinee, WI | 79.2% | $307 million |
| 41 | Ripco Credit Union | Rhinelander, WI | 79.5% | $189 million |
| 42 | Simplicity Credit Union | Marshfield, WI | 81.7% | $547 million |
| 43 | Marine Credit Union | La Crosse, WI | 82.0% | $1.1 billion |
| 44 | Superior Choice Credit Union | Superior, WI | 85.6% | $730 million |
| 45 | Blackhawk Community Credit Union | Janesville, WI | 86.6% | $947 million |
| 46 | Prospera Credit Union | Appleton, WI | 88.0% | $379 million |
| 47 | Guardian Credit Union | Oak Creek, WI | 88.2% | $294 million |
| 48 | Southern Lakes Credit Union | Kenosha, WI | 88.5% | $113 million |
| 49 | Shoreline Credit Union | Two Rivers, WI | 90.2% | $160 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings