CO-OP
State-Chartered • Black River Fal, Wisconsin • Est. 1938
Quick Facts
- Charter Number
- #66983
- Type
- State-Chartered
- Established
- 1938
- Headquarters
- Black River Fal, Wisconsin 54615
- Address
- PO Box 157
- Branches
- 9
- ATMs
- 8
- Members
- 23,551
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
23,551 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CO-OP |
|---|---|
| Total Assets | $601.4M |
| Members | 23,551 |
| Loans Outstanding | $509.8M |
| Shares & Deposits | $528.2M |
| Net Worth | $68.9M |
| Net Worth Ratio | 11.45% |
| Loan-to-Share Ratio | 96.5% |
| Delinquency Rate | 0.72% |
| Net Income | +$6,745,114 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 8 ATMs
Main Office
Main Office100 E Main St
Black River Falls, WI 54615
Cty A Drive Up
330 County Road A
Black River Falls, WI 54615
Melrose
409 N Washington St
Melrose, WI 54642
Galesville
17578 N Main St
Galesville, WI 54630
Fall Creek
326 E Lincoln Ave
Fall Creek, WI 54742
Who Can Join CO-OP?
Membership Type: Community
Membership eligibility for CO-OP may vary. Contact the credit union directly to confirm qualification requirements.
Contact CO-OP directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Wisconsin RankingsFrequently Asked Questions
Yes. CO-OP is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CO-OP has 23,551 members and a potential membership field of 497,366 people.
CO-OP's net worth ratio is 11.45% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.4%, CO-OP meets this threshold.
CO-OP operates 9 branch locations and has access to 8 ATMs. The main office is located at 100 E Main St, Black River Falls, WI 54615.
CO-OP was established in 1938. It is a state-chartered credit union chartered under charter number 66983. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CO-OP. All financial data is for informational purposes only.