Focus Credit Union (66451), a $61.1M credit union headquartered in Menomonee Falls, WI, led by CEO Wilson, reported $52.5M in member deposits at the end of 2025 Q3, an increase of $1.3M (+2.5%) compared to the same quarter last year.
The credit union's 88.8% loan-to-share ratio indicates strong loan demand relative to deposits, which may require attention to deposit pricing and liquidity management.
Net effect: elevated loan-to-share ratio limits incremental lending capacity.
Deposit Composition
Focus Credit Union's deposit portfolio is led by Regular Shares, comprising 47.5% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $25.0M | 47.5% | +5.8% |
| Share Drafts | $12.7M | 24.2% | -5.9% |
| Share Certificates | $7.2M | 13.7% | +11.1% |
| Money Market | $6.9M | 13.1% | -0.0% |
| IRA/KEOGH | $811K | 1.5% | +1.7% |
| Other Shares | $7K | 0.0% | -13.7% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Moderate deposit growth suggests stable member relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $50.9M | $8K | |
| 2024 Q3 | $51.2M | +0.7% | $8K |
| 2024 Q4 | $51.9M | +1.4% | $8K |
| 2025 Q1 | $52.5M | +1.2% | $8K |
| 2025 Q2 | $52.8M | +0.4% | $8K |
| 2025 Q3 | $52.5M | -0.4% | $8K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Focus Credit Union serves 6,548 members, a decrease of 2.9% year-over-year. The average member deposit of $8K has grown 5.6% compared to last year.
Deposit growth exceeding member growth suggests existing members are increasing their balances, a sign of deepening relationships.
Historical Context: Since the 2008 Crisis
Focus Credit Union's deposit base has grown 74% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $30.2M in member deposits serving 7,884 members.
Membership has declined 17% over this period, reflecting broader industry consolidation trends.
Peer Comparison
Among 1015 credit unions in its $30.5M–$91.6M asset peer group, Focus Credit Union ranks in the 55th percentile for deposit growth.
Outlook
Focus Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Focus Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Focus Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.