Credit union · NCUA insured
Northwoods Community Credit Union
A $93.7M credit union headquartered in Park Falls, WI, with 7,947 members and 2 branches in Wisconsin. Best rates: CDs 3.38% and savings 0.15% APY.
Northwoods Community Credit Union Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#186 of 196 in WisconsinHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Northwoods Community Credit Union
Founded in 1953 as the Flambeau Paper Employees' Credit Union, Northwoods Community Credit Union is a member-owned, locally controlled financial cooperative.
Headquartered in Park Falls, Wisconsin, the credit union serves a 14-county region across northern Wisconsin.
- Headquarters
- 1224 4th Ave S, Park Falls, WI 54552-1923
- NCUA charter
- 67240
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons residing, owning real estate property, or employed in Ashland, Bayfield, Forest, Douglas, Iron, Langlade, Lincoln, Oneida, Price, Rusk, Sawyer, Taylor, Vilas, or Washburn County, Wisconsin are eligible for membership.
Employers and groups
- Stockholders of Midland Services, Inc. (A&B Co-op Association), including present stockholders and individuals subsequently becoming stockholders, are eligible for membership.
Family and household
- Individuals closely related to someone residing in, owning property in, or employed in the 14 eligible Wisconsin counties are eligible for membership.
Other ways
- Members of record at the date of liquidation, February 1974, of the Couderay Area Credit Union, Couderay, WI are eligible for membership.
Cost to join
- Membership requires the purchase of at least one share with a par value of $5.00 into a share savings account.
Branches
2 branches in Wisconsin
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Wisconsin
2 branches
Park Falls area · 1
- Northwoods Community Credit UnionMain office1224 4th Ave S, Park Falls, WI 54552Directions
Ashland area · 1
- Northwoods Community Credit Union121 Main St W, Ashland, WI 54806Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.86% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.58% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.44% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $59 | $59 | — |
- CapitalNet worth ratio10.86%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.58%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.44%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$59Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Northwoods Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.