State credit union · Brainerd, Minnesota · NCUA charter #60436
Brainerd B. N.
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $122.6M
- Total assets
- 6,688
- Members
- 11.0%
- Net-worth ratio
Brainerd B. N. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60436: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Brainerd B. N. - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)84
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.98% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | 0.71% | 15% |
| Member Growth | 0.27% | 15% |
| Loan-to-Share Ratio | 59.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $122.6M | 6,688 |
| 2024Q4 | $110.5M | 6,670 |
| 2023Q4 | $103.5M | 6,730 |
Credit Union Details
- Charter Number
- 60436
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Brainerd
- Data Quarter
- 2025Q4
What This Data Says About Brainerd B. N.
Headquartered in Brainerd, Minnesota, Brainerd B. N. is a state credit union with 6,688 members, $122.6M in total assets, and $63.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 92/100 (Excellent), driven in part by a net worth ratio of 10.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60436 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.39% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 59.21% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.71% on net income of $868K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.27%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Brainerd B. N. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Brainerd B. N. carries a financial health score of 92/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.98% net worth ratio and a 0.39% delinquency rate.
How does Brainerd B. N. compare to other credit unions?
PlainCU's health composite puts Brainerd B. N. at 92/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Brainerd B. N.?
Membership eligibility for Brainerd B. N. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Brainerd B. N. directly for current membership requirements and application steps.
Is my money safe at Brainerd B. N.?
Federal credit unions like Brainerd B. N. 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. Brainerd B. N.'s net worth ratio of 10.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Brainerd B. N. offer compared to banks?
Credit unions like Brainerd B. N. 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 Brainerd B. N. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.