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The Lender Report built this page from public records. Fox Communities Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Fox Communities Credit Union itself. Each figure shows its source and date. Work at Fox Communities Credit Union? You can claim this page for free.
Credit union, Appleton, WI
Fox Communities Credit Union
A credit union based in Appleton, WI. Its commercial book is led by multifamily and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $948M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 254
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 7
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $3.39B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 920-993-9000 From the NCUA record, June 30, 2026.
- Website
- www.foxcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- FOX COMMUNITIES; Fox Communities CUNCUA 5300,
- Address
- 2201 E Enterprise Ave, Appleton, WI 54913NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Fox Communities Credit Union originated 25 multifamily loans in 2025, versus 20 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 5 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Multifamily balance rose 16.7% to $463M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 17.5% to $304.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 67.3% to $96.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Wisconsin | SBA 7(a), Full-Service Restaurants | $210K | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Wisconsin | SBA 7(a), Full-Service Restaurants | $30K | 11% | 10 yr | SBA FOIA | |
| 2025 | Milwaukee County, WI | Purchase, 100 to 149 units | $11M | 6.83% | 5 yr | 73% | HMDA 2025 |
| 2025 | Milwaukee County, WI | Purchase, 100 to 149 units | $11M | 6.66% | 5 yr | 70% | HMDA 2025 |
| 2025 | Racine County, WI | Refinance, 50 to 99 units | $9.5M | 6.69% | 5 yr | 75% | HMDA 2025 |
| 2025 | Racine County, WI | Purchase, 50 to 99 units | $9.4M | 6.57% | 5 yr | 75% | HMDA 2025 |
| 2025 | Winnebago County, WI | Cash-out refinance, 5 to 24 units | $4M | 6.5% | 5 yr | 74% | HMDA 2025 |
| 2025 | Brown County, WI | Improvement, 25 to 49 units | $3.5M | 6.86% | 5 yr | 73% | HMDA 2025 |
| 2025 | Montgomery County, OH | Purchase, 50 to 99 units | $3M | 6.5% | 5 yr | 120% | HMDA 2025 |
| 2025 | Milwaukee County, WI | Purchase, 5 to 24 units | $2.5M | 6.55% | 5 yr | 68% | HMDA 2025 |
| 2025 | Shawano County, WI | Purchase, 25 to 49 units | $2.2M | 6.64% | 5 yr | 80% | HMDA 2025 |
| 2025 | Waupaca County, WI | Purchase, 5 to 24 units | $1.9M | 6.73% | 5 yr | 80% | HMDA 2025 |
| 2025 | Outagamie County, WI | Cash-out refinance, 25 to 49 units | $1.5M | 6.59% | 5 yr | 50% | HMDA 2025 |
| 2025 | Brown County, WI | Purchase, 5 to 24 units | $760K | 6.78% | 5 yr | 80% | HMDA 2025 |
| 2025 | Brown County, WI | Purchase, 5 to 24 units | $620K | 6.85% | 5 yr | 80% | HMDA 2025 |
| 2025 | Winnebago County, WI | Purchase, 5 to 24 units | $600K | 6.72% | 5 yr | 79% | HMDA 2025 |
| 2025 | Winnebago County, WI | Cash-out refinance, 5 to 24 units | $540K | 7.18% | 5 yr | 62% | HMDA 2025 |
| 2025 | Manitowoc County, WI | Cash-out refinance, 5 to 24 units | $480K | 6.5% | 5 yr | 76% | HMDA 2025 |
| 2025 | Brown County, WI | Purchase, 5 to 24 units | $440K | 6.63% | 5 yr | 79% | HMDA 2025 |
| 2025 | Winnebago County, WI | Cash-out refinance, 5 to 24 units | $400K | 6.85% | 5 yr | 75% | HMDA 2025 |
| 2025 | Winnebago County, WI | Purchase, 5 to 24 units | $360K | 6.94% | 5 yr | 78% | HMDA 2025 |
| 2025 | Michigan | Purchase, 5 to 24 units | $320K | 6.89% | 5 yr | 79% | HMDA 2025 |
| 2025 | Brown County, WI | Refinance, 5 to 24 units | $300K | 6.7% | 5 yr | 33% | HMDA 2025 |
| 2025 | Vilas County, WI | Refinance, 5 to 24 units | $300K | 8% | 2 yr | 91% | HMDA 2025 |
| 2025 | Michigan | Purchase, 5 to 24 units | $300K | 6.98% | 5 yr | 71% | HMDA 2025 |
| 25 multifamily loans made in 2025 | $64.8M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $463M | 17.0% | +16.7% | 960 | $482K |
| Construction and land development | $52.3M | 1.9% | +17.2% | 51 | $1.03M |
| Owner-occupied CRE | $96.9M | 3.6% | +67.3% | 155 | $625K |
| Non-owner-occupied CRE | $304M | 11.2% | +17.5% | 326 | $933K |
| Farmland | $1.03M | 0.0% | Not reported | 1 | $1.03M |
| Commercial and industrial | $30.3M | 1.1% | +117.9% | 265 | $114K |
| Other real-estate-secured commercial | $11.8K | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $948M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $610M |
| Q4 2023 | $649M |
| Q1 2024 | $658M |
| Q2 2024 | $671M |
| Q3 2024 | $681M |
| Q4 2024 | $724M |
| Q1 2025 | $744M |
| Q2 2025 | $772M |
| Q3 2025 | $826M |
| Q4 2025 | $830M |
| Q1 2026 | $890M |
| Q2 2026 | $948M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 25 | $64.8M | $625K | $11M | HMDA, |
| Multifamily, 5 or more units | 2024 | 20 | $36.4M | $710K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 135 | $27.7M | $165K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 6 | $2.13M | $217K | $1.2M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 3 | $460K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $7.4M | $7.4M | $7.4M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 254 | $235M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 145 | $112M | NCUA 5300, | ||
| Construction | First half of 2026 | 17 | $25.2M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 29 | $28.7M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 63 | $69.0M | NCUA 5300, | ||
| C&I | First half of 2026 | 67 | $22.8M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $1.03M |
| Multifamily | $482K |
| Owner-occupied CRE | $625K |
| Non-owner-occupied CRE | $933K |
| Farmland | $1.03M |
| Commercial and industrial | $114K |
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Wisconsin HQ | 23 | 22 | 133 | 6 | 1 |
| Michigan | 0 | 2 | 2 | 0 | 0 |
| Ohio | 0 | 1 | 0 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Brown County, WI | 15 | $24.9M |
| Winnebago County, WI | 6 | $6.54M |
| Milwaukee County, WI | 5 | $29.3M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Green Bay, WI | 17 | $25.3M |
| Oshkosh-Neenah, WI | 6 | $6.54M |
| Milwaukee-Waukesha, WI | 5 | $29.3M |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $415M | $193M to $968M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $916M | $167M to $2.31B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 220.6% | 34.3% to 253.9% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $54.2M | $23.3M to $132M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 226.7% | 24.4% to 253.3% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 80.4% | 64.3% to 90.1% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Of 135 1-4 unit investor loans with a known channel in 2025, 2 (1.5%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- SBA Express
- 5 loans
SBA FOIA, SBA 7(a) loans, 36 months.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Educators Credit Union | WI | $3.99B | $164M |
| Altra Credit Union | WI | $3.14B | $423M |
| Westconsin Credit Union | WI | $2.25B | $375M |
| Covantage Credit Union | WI | $4.21B | $908M |
| Verve, a Credit Union | WI | $1.58B | $461M |
| Community First Credit Union | WI | $6.84B | $1.91B |
| Capital Credit Union | WI | $2.79B | $328M |
| Landmark Credit Union | WI | $7.91B | $2.24B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Fox Communities Credit Union, NCUA charter 66731. Compare it with the regulator's record. [NCUA profile]
- Balances. $3.39B in total assets and $948M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 254 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 187 loans in HMDA and SBA files, through September 30, 2026: 25 HMDA multifamily 2025, 20 HMDA multifamily 2024, 135 HMDA 1-4 unit investor 2025, 6 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to Fox Communities Credit Union]
- Phone and website. Phone 920-993-9000, from the NCUA record. Website foxcu.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 66731
- RSSD
- 941699
- LEI
- 549300FUMS21JPQM1N03
- The Lender Report ID
- lr_000538
- Main office county
- Outagamie
- Members
- 144,083
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $3.4B in total assets as of June 30, 2026 (NCUA 5300).
- Held $947.7M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $463M of multifamily loans as of June 30, 2026, up 16.7% from a year earlier (NCUA 5300).
- Held $304.1M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 17.5% from a year earlier (NCUA 5300).
- Held $96.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 67.3% from a year earlier (NCUA 5300).
- Originated 25 multifamily loans totaling $64.8M in 2025 (HMDA).
8 more sentences
- Originated 20 multifamily loans totaling $36.4M in 2024 (HMDA).
- Originated 135 1-4 unit investor or business-purpose loans totaling $27.7M in 2025 (HMDA).
- Recorded 7 SBA 7(a) approvals totaling $2.3M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 1 SBA 504 project with $7.4M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 254 real-estate-secured commercial loans totaling $234.6M in the first half of 2026 (NCUA 5300).
- Bought $29.5M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $102.2M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 23 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, Fox Communities Credit Union, https://lender.report/lender/fox-communities-credit-union-wi/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem