State credit union · AUSTIN, Minnesota · NCUA charter #60798
ACCENTRA
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $209.8M
- Total assets
- 17,039
- Members
- 10.5%
- Net-worth ratio
ACCENTRA scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $209.8M; members 17,039; net-worth ratio 10.46%; health rank #2,629 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,629 of 4,374 health · 2025Q4ACCENTRA · health 81/100 · $209.8M · 2025Q4
Call Report peers
ACCENTRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACCENTRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ACCENTRA sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ACCENTRA vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 72.36% here, 72.20% peer average (+0.16 pp).
- Largest lag: Net Worth Ratio at 10.46% vs peer 12.11% (-1.65 pp).
Where ACCENTRA sits in Minnesota
- In Minnesota, health place is #61 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, ACCENTRA is #29 of 82 in Minnesota.
- Membership ranks #24 of 82 among Minnesota CUs with a reported count (17,039 members).
- One place up in Minnesota, IDEAL (#60) ties at 81/100; one place down, Co-Op Credit Union of Montevideo (#62) scores 80/100, 1 point lower.
ACCENTRA Call Report trajectory
ACCENTRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $209.8M (2025Q4) to $217.1M (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.35% → 10.46%).
10.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
ACCENTRA gives up 19 points in total. Delinquency Rate costs the most, 14.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.46% | -1.65 pp |
| Delinquency Rate | 2.27% | +1.38 pp |
| Return on Assets | 0.62% | -0.00 pp |
| Member Growth | 0.69% | - |
| Loan-to-Share Ratio | 72.36% | +0.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ACCENTRA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $217.1M | - |
| 2025Q4 | $209.8M | 17,039 |
| 2024Q4 | $200.2M | 16,923 |
| 2023Q4 | $200.4M | 16,421 |
Credit Union Details
- Charter Number
- 60798
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- AUSTIN
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, ACCENTRA runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Accentra Credit Union (Main Office) | Austin, MN |
| Accentra CU Albert Lea | Albert Lea, MN |
| Accentra CU Kasson | Kasson, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for ACCENTRA
Using this data
- ACCENTRA ranks #2,629 of 4,374 nationally on financial health and #61 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red Wing is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red Wing
Frequently Asked Questions
Is ACCENTRA financially healthy?
ACCENTRA has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,629 of 4,374 nationally on health and #61 of 82 in Minnesota. Its net worth ratio is 10.46% and its delinquency rate 2.27%.
How does ACCENTRA compare to other credit unions?
ACCENTRA scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.36% vs 72.20%). Its widest shortfall is net worth ratio (10.46% vs 12.11%).
How can I join ACCENTRA?
Membership eligibility for ACCENTRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ACCENTRA directly for current membership requirements and application steps.
Is my money safe at ACCENTRA?
ACCENTRA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ACCENTRA's net worth ratio of 10.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.