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
Call Report peers
Co-Op Credit Union of Montevideo in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Co-Op Credit Union of Montevideo sits in 80-84 with 767 others.
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
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).
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.
- One place up in Minnesota, ACCENTRA (#61) scores 81/100, 1 point higher; one place down, Mower County Catholic Parishes (#63) scores 79/100, 1 point lower.
How Co-Op Credit Union of Montevideo's 5300 filing moved
Co-Op Credit Union of Montevideo: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $400.1M (2025Q4) to $423.8M (2026Q1).
- Net-worth ratio shifted -0.39 pp (15.68% → 15.29%).
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
Co-Op Credit Union of Montevideo gives up 20 points in total. Delinquency Rate costs the most, 17.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Co-Op Credit Union of Montevideo financially healthy?
Co-Op Credit Union of Montevideo has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,711 of 4,374 nationally on health and #62 of 82 in Minnesota. Its net worth ratio is 15.29% and its delinquency rate 2.81%.
How does Co-Op Credit Union of Montevideo compare to other credit unions?
Co-Op Credit Union of Montevideo scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.90% vs 72.20%). Its widest shortfall is delinquency rate (2.81% vs 0.89%).
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?
Co-Op Credit Union of Montevideo 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. Co-Op Credit Union of Montevideo's net worth ratio of 15.29% 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.