Federal credit union · Saint Paul, Minnesota · NCUA charter #24676
CARPENTERS
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $44.2M
- Total assets
- 15,568
- Members
- 16.0%
- Net-worth ratio
CARPENTERS scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.2M; members 15,568; net-worth ratio 15.99%; health rank #2,396 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,396 of 4,374 health · 2025Q4CARPENTERS · health 82/100 · $44.2M · 2025Q4
- MEM 82/100
- RANK 16.0%
- PHOTO 0.14%
- BOOK 2.22%
- CHARTER $44.2M
- NCUSIF 15,568
- CAMELS #2,396/4,374
- HEALTH Enfield Community
- NW 24676
Call Report peers
CARPENTERS in the assets neighbourhood
CARPENTERS's $44.2M assets sit next to Enfield Community ($44.2M) 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.
CARPENTERS 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
82 43rd percentile higher than 43% 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
CARPENTERS - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24676 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where CARPENTERS diverges from peer averages
- Largest favorable gap: Return on Assets at 2.22% vs peer 0.70% (+1.51 pp).
- Loan-to-Share Ratio trails the peer set - 52.90% here, 59.80% peer average (-6.90 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota standing for CARPENTERS
- In Minnesota, health place is #57 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, CARPENTERS is #54 of 82 in Minnesota.
- Member book place in Minnesota: #25 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CARPENTERS
CARPENTERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $44.2M (2025Q4) to $43.9M (2026Q1).
- Net-worth ratio shifted +0.48 pp (15.51% → 15.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.2 pts
- Loan-to-Share Ratio 10.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.99% | +1.13 pp |
| Delinquency Rate | 0.14% | -1.01 pp |
| Return on Assets | 2.22% | +1.51 pp |
| Member Growth | -4.35% | - |
| Loan-to-Share Ratio | 52.90% | -6.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
CARPENTERS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.9M | - |
| 2025Q4 | $44.2M | 15,568 |
| 2024Q4 | $42.6M | 16,276 |
| 2023Q4 | $42.7M | 23,791 |
Credit Union Details
- Charter Number
- 24676
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- Saint Paul
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, CARPENTERS runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Carpenters Credit Union Main (Main Office) | Saint Paul, MN |
| Kaukauna Branch | Kaukauna, WI |
| PEWAUKEE BRANCH | Pewaukee, WI |
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.
CARPENTERS nationwide neighbourhoods
Cross-state asset and health neighbours for CARPENTERS - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($44.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- CARPENTERS ranks #2,396 of 4,374 nationally on financial health and #57 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WAKOTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WAKOTA
- 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 CARPENTERS financially healthy?
CARPENTERS scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,396 of 4,374; by total assets it ranks #2,513 of 4,374 nationally (same basis as /rankings/largest); and #54 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.99% net worth ratio and a 0.14% delinquency rate.
How does CARPENTERS compare to other credit unions?
Five weighted metrics from NCUA filings produce CARPENTERS's 82/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 CARPENTERS?
CARPENTERS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CARPENTERS directly for the exact boundaries and application steps.
Is my money safe at CARPENTERS?
Federal credit unions like CARPENTERS 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. CARPENTERS's net worth ratio of 15.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CARPENTERS offer compared to banks?
Credit unions like CARPENTERS 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 CARPENTERS 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.