State credit union · Montevideo, Minnesota · NCUA charter #62419
Co-Op Credit Union of Montevideo
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $400.1M
- Total assets
- 17,751
- Members
- 15.3%
- Net-worth ratio
Co-Op Credit Union of Montevideo scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $400.1M; members 17,751; net-worth ratio 15.29%; health rank #2,711 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,711 of 4,374 health · 2025Q4Co-Op Credit Union · health 80/100 · $400.1M · 2025Q4
- DELQ 80/100
- ROA 15.3%
- ASSETS 2.81%
- MEM 1.11%
- RANK $400.1M
- PHOTO 17,751
- BOOK #2,711/4,374
- CHARTER Coosa Pines
- NCUSIF 62419
Call Report peers
Co-Op Credit Union of Montevideo in the assets neighbourhood
Co-Op Credit Union of Montevideo's $400.1M assets sit next to Coosa Pines ($399.9M) 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.
Co-Op Credit Union of Montevideo 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
80 36th percentile higher than 36% 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
Co-Op Credit Union of Montevideo - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62419 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Co-Op Credit Union of Montevideo
- Loan-to-Share Ratio leads the peer set - 81.90% here, 72.20% peer average (+9.70 pp).
- Largest lag: Delinquency Rate at 2.81% vs peer 0.89% (+1.92 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Co-Op Credit Union of Montevideo sits in Minnesota
- Minnesota health ordinal: #62 of 82.
- Assets rank #15 of 82 inside Minnesota ($400.1M reported).
- Minnesota membership ordinal: #23 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.
How Co-Op Credit Union of Montevideo's 5300 filing moved
Co-Op Credit Union of Montevideo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.9% from $400.1M (2025Q4) to $423.8M (2026Q1).
- Net-worth ratio shifted -0.39 pp (15.68% → 15.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.4 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 14.9 pts
Co-Op Credit Union of Montevideo vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.29% | +3.18 pp |
| Delinquency Rate | 2.81% | +1.92 pp |
| Return on Assets | 1.11% | +0.48 pp |
| Member Growth | 3.12% | - |
| Loan-to-Share Ratio | 81.90% | +9.70 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $423.8M | - |
| 2025Q4 | $400.1M | 17,751 |
| 2024Q4 | $374.5M | 17,214 |
| 2023Q4 | $359.0M | 16,779 |
Credit Union Details
- Charter Number
- 62419
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Montevideo
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Co-Op Credit Union of Montevideo runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Co-op Credit Union of Montevideo (Main Office) | Montevideo, MN |
| Co-op Credit Union | Benson, MN |
| Co-op Credit Union | Canby, MN |
| Co-op Credit Union | Willmar, 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.
- ST. CLOUD FINANCIALSartell, MN · $100M–$500M90Health
- TRUSTARINTERNATIONAL F, MN · $100M–$500M97Health
- SHAREPOINTBloomington, MN · $100M–$500M75Health
- MYBLOOMINGTON, MN · $100M–$500M67Health
- CENTRICITYHERMANTOWN, MN · $100M–$500M95Health
Compare Co-Op Credit Union of Montevideo vs ST. CLOUD FINANCIAL
Nationwide credit unions with similar profiles
Co-Op Credit Union of Montevideo's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($400.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Co-Op Credit Union of Montevideo ranks #2,711 of 4,374 nationally on financial health and #62 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Cloud Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Cloud Financial
- 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 Co-Op Credit Union of Montevideo financially healthy?
Co-Op Credit Union of Montevideo scores 80/100 (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 #2,711 of 4,374; by total assets it ranks #867 of 4,374 nationally (same basis as /rankings/largest); and #15 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.29% net worth ratio and a 2.81% delinquency rate.
How does Co-Op Credit Union of Montevideo compare to other credit unions?
Co-Op Credit Union of Montevideo scores 80/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Co-Op Credit Union of Montevideo?
Membership eligibility for Co-Op Credit Union of Montevideo depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Co-Op Credit Union of Montevideo directly for current membership requirements and application steps.
Is my money safe at Co-Op Credit Union of Montevideo?
Federal credit unions like Co-Op Credit Union of Montevideo 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. Co-Op Credit Union of Montevideo's net worth ratio of 15.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Co-Op Credit Union of Montevideo offer compared to banks?
Credit unions like Co-Op Credit Union of Montevideo 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 Co-Op Credit Union of Montevideo 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.