State credit union · Brainerd, Minnesota · NCUA charter #60436
Brainerd B. N.
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $122.6M
- Total assets
- 6,688
- Members
- 10.9%
- Net-worth ratio
Brainerd B. N. scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $122.6M; members 6,688; net-worth ratio 10.88%; health rank #811 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#811 of 4,374 health · 2025Q4Brainerd B. N. · health 92/100 · $122.6M · 2025Q4
Call Report peers
Brainerd B. N. in the assets neighbourhood
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Brainerd B. N. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Brainerd B. N. sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Brainerd B. N. vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.39% here, 0.89% peer average (-0.50 pp).
- Largest lag: Loan-to-Share Ratio at 59.21% vs peer 72.20% (-12.99 pp).
Brainerd B. N.: in-state Call Report ranks
- Minnesota health ordinal: #22 of 82.
- Minnesota assets place: #38 of 82.
- Minnesota membership ordinal: #40 of 82.
- One place up in Minnesota, Associated Healthcare (#21) ties at 92/100; one place down, Building Trades (#23) ties at 92/100.
Brainerd B. N.: 2025Q4 → 2026Q1
Brainerd B. N.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $122.6M (2025Q4) to $124.4M (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.98% → 10.88%).
At 10.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Brainerd B. N. gives up 8 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for Brainerd B. N.
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.88% | -1.23 pp |
| Delinquency Rate | 0.39% | -0.50 pp |
| Return on Assets | 0.71% | +0.09 pp |
| Member Growth | 0.27% | - |
| Loan-to-Share Ratio | 59.21% | -12.99 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Brainerd B. N. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $124.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Brainerd B. N. runs one office.
| Office | City |
|---|---|
| Brainerd BN Credit Union (Main Office) | Brainerd, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Brainerd B. N. ranks #811 of 4,374 nationally on financial health and #22 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Communities is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Communities
Frequently Asked Questions
Is Brainerd B. N. financially healthy?
Brainerd B. N. has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #811 of 4,374 nationally on health and #22 of 82 in Minnesota. Its net worth ratio is 10.88% and its delinquency rate 0.39%.
How does Brainerd B. N. compare to other credit unions?
Brainerd B. N. scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.39% vs 0.89%). Its widest shortfall is loan-to-share ratio (59.21% vs 72.20%).
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.?
Brainerd B. N. 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. Brainerd B. N.'s net worth ratio of 10.88% 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.