Federal credit union · Aurora, Minnesota · NCUA charter #4708
Embarrass Vermillion
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $66.0M
- Total assets
- 4,855
- Members
- 14.0%
- Net-worth ratio
Embarrass Vermillion scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $66.0M; members 4,855; net-worth ratio 14.02%; health rank #1,615 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,615 of 4,374 health · 2025Q4Embarrass Vermillion · health 87/100 · $66.0M · 2025Q4
- RANK 87/100
- PHOTO 14.0%
- BOOK 1.44%
- CHARTER 1.88%
- NCUSIF $66.0M
- CAMELS 4,855
- HEALTH #1,615/4,374
- NW Postal Family Credit Union, Inc.
- DELQ 4708
Call Report peers
Embarrass Vermillion in the assets neighbourhood
Embarrass Vermillion's $66.0M assets sit next to Postal Family Credit Union, Inc. ($65.8M) 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.
Embarrass Vermillion 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
87 Top 40% higher than 60% 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
Embarrass Vermillion - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4708. See our deposit-insurance coverage note.
Where Embarrass Vermillion diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 91.19% vs peer 62.60% (+28.59 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.47 pp (1.44% vs 0.96%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota standing for Embarrass Vermillion
- In Minnesota, health place is #44 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, Embarrass Vermillion is #47 of 82 in Minnesota.
- Member book place in Minnesota: #45 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.
Embarrass Vermillion Call Report trajectory
Embarrass Vermillion: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $66.0M (2025Q4) to $66.3M (2026Q1).
- Net-worth ratio shifted -1.65 pp (15.67% → 14.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.7 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Embarrass Vermillion
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.02% | +0.40 pp |
| Delinquency Rate | 1.44% | +0.47 pp |
| Return on Assets | 1.88% | +1.22 pp |
| Member Growth | 1.25% | - |
| Loan-to-Share Ratio | 91.19% | +28.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Embarrass Vermillion
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.3M | - |
| 2025Q4 | $66.0M | 4,855 |
| 2024Q4 | $60.6M | 4,795 |
| 2023Q4 | $58.5M | 4,825 |
Credit Union Details
- Charter Number
- 4708
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Minnesota
- City
- Aurora
- Data Quarter
- 2025Q4
Branch Locations (4)
Embarrass Vermillion operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Aurora Branch (Main Office) | Aurora, MN |
| Embarrass Branch | Embarrass, MN |
| Nett lake Branch | Nett Lake, MN |
| Tower Branch | Tower, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Embarrass Vermillion nationwide neighbourhoods
Two NCUA Call Report peer sets for Embarrass Vermillion, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($66.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Embarrass Vermillion ranks #1,615 of 4,374 nationally on financial health and #44 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Employees
- 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 Embarrass Vermillion financially healthy?
A 14.02% net worth ratio and a 1.44% delinquency rate feed into Embarrass Vermillion's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,615 of 4,374; by total assets it ranks #2,181 of 4,374 nationally (same basis as /rankings/largest); and #47 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Embarrass Vermillion compare to other credit unions?
Embarrass Vermillion scores 87/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Embarrass Vermillion?
Embarrass Vermillion 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 Embarrass Vermillion directly for the exact boundaries and application steps.
Is my money safe at Embarrass Vermillion?
Federal credit unions like Embarrass Vermillion 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. Embarrass Vermillion's net worth ratio of 14.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Embarrass Vermillion offer compared to banks?
Credit unions like Embarrass Vermillion 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 Embarrass Vermillion 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.