State credit union · SAINT PAUL, Minnesota · NCUA charter #60255
City & County
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $1.17B
- Total assets
- 62,180
- Members
- 11.8%
- Net-worth ratio
City & County scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.17B; members 62,180; net-worth ratio 11.82%; health rank #1,115 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
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City & County vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); City & County sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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
City & County vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +0.64 pp (11.82% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 66.84% here, 83.90% peer average (-17.06 pp).
Minnesota standing for City & County
- Health composite ranks #29 of 82 among scored Minnesota credit unions.
- By total assets, City & County is #8 of 82 in Minnesota.
- Membership ranks #9 of 82 among Minnesota CUs with a reported count (62,180 members).
- One place up in Minnesota, Harbor Pointe (#28) ties at 90/100; one place down, Minnesota Valley (#30) ties at 90/100.
Quarter path for City & County
City & County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $1.17B (2025Q4) to $1.18B (2026Q1).
- Net-worth ratio shifted +0.03 pp (11.79% → 11.82%).
This credit union's 11.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
City & County gives up 10 points in total. Member Growth costs the most, 6.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.6 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.82% | +0.64 pp |
| Delinquency Rate | 0.31% | -0.57 pp |
| Return on Assets | 0.28% | -0.23 pp |
| Member Growth | -0.08% | - |
| Loan-to-Share Ratio | 66.84% | -17.06 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - City & County
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.18B | - |
| 2025Q4 | $1.17B | 62,180 |
| 2024Q4 | $1.19B | 62,227 |
| 2023Q4 | $1.23B | 62,176 |
Credit Union Details
- Charter Number
- 60255
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- SAINT PAUL
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, City & County runs 13 offices in 12 different cities across 4 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Saint Paul, MN |
| Brooklyn Park | Brooklyn Park, MN |
| Cedar Rapids | Cedar Rapids, IA |
| Eagan Office | Eagan, MN |
| Champion Center/General Mills | Golden Valley, MN |
| JFB Technical Center | Golden Valley, MN |
| Hannibal | Hannibal, MO |
| Lake Elmo Office | Lake Elmo, MN |
| Maplewood Office | Maplewood, MN |
| Minnetonka | Minnetonka, MN |
| Murfreesboro | Murfreesboro, TN |
| Shoreview Office | Shoreview, MN |
| Woodbury Office | Woodbury, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Other-state peers near City & County
Using this data
- City & County ranks #1,115 of 4,374 nationally on financial health and #29 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Cooperative
Frequently Asked Questions
Is City & County financially healthy?
City & County has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,115 of 4,374 nationally on health and #29 of 82 in Minnesota. Its net worth ratio is 11.82% and its delinquency rate 0.31%.
How does City & County compare to other credit unions?
City & County scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.82% vs 11.18%). Its widest shortfall is loan-to-share ratio (66.84% vs 83.90%).
How can I join City & County?
Membership eligibility for City & County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact City & County directly for current membership requirements and application steps.
Is my money safe at City & County?
City & County 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. City & County's net worth ratio of 11.82% 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.