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
- CAMELS 81/100
- HEALTH 10.5%
- NW 2.27%
- DELQ 0.62%
- ROA $209.8M
- ASSETS 17,039
- MEM #2,629/4,374
- RANK Autotruck Financial
- PHOTO 60798
Call Report peers
ACCENTRA in the assets neighbourhood
ACCENTRA's $209.8M assets sit next to Autotruck Financial ($210.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60798: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ACCENTRA Call Report trajectory
ACCENTRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $209.8M (2025Q4) to $217.1M (2026Q1).
- Net-worth ratio shifted +0.11 pp (10.35% → 10.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for ACCENTRA - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($209.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ACCENTRA financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - ACCENTRA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,629 of 4,374; by total assets it ranks #1,249 of 4,374 nationally (same basis as /rankings/largest); and #29 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.46% net worth ratio and 2.27% delinquency rate are the key drivers.
How does ACCENTRA compare to other credit unions?
Five weighted metrics from NCUA filings produce ACCENTRA's 81/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ACCENTRA are 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."
What rates does ACCENTRA offer compared to banks?
Credit unions like ACCENTRA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ACCENTRA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.