State credit union · WOODBURY, Minnesota · NCUA charter #62978
IDEAL
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.08B
- Total assets
- 48,681
- Members
- 10.5%
- Net-worth ratio
IDEAL scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.08B; members 48,681; net-worth ratio 10.51%; health rank #2,628 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,628 of 4,374 health · 2025Q4IDEAL · health 81/100 · $1.08B · 2025Q4
- DELQ 81/100
- ROA 10.5%
- ASSETS 0.91%
- MEM 0.31%
- RANK $1.08B
- PHOTO 48,681
- BOOK #2,628/4,374
- CHARTER RAIZ
- NCUSIF 62978
Call Report peers
IDEAL in the assets neighbourhood
IDEAL's $1.08B assets sit next to RAIZ ($1.08B) 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.
IDEAL 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
81 39th percentile higher than 39% 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
IDEAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62978 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
IDEAL vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 98.02% vs peer 83.90% (+14.12 pp).
- Largest lag: Net Worth Ratio at 10.51% vs peer 11.18% (-0.67 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota standing for IDEAL
- Health composite ranks #60 of 82 among scored Minnesota credit unions.
- Minnesota assets place: #10 of 82.
- Minnesota membership ordinal: #11 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.
IDEAL Call Report trajectory
IDEAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $1.08B (2025Q4) to $1.09B (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.43% → 10.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 12.1 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 11.5 pts
IDEAL vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.51% | -0.67 pp |
| Delinquency Rate | 0.91% | +0.03 pp |
| Return on Assets | 0.31% | -0.20 pp |
| Member Growth | -1.41% | - |
| Loan-to-Share Ratio | 98.02% | +14.12 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - IDEAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.09B | - |
| 2025Q4 | $1.08B | 48,681 |
| 2024Q4 | $1.04B | 49,379 |
| 2023Q4 | $1.02B | 50,295 |
Credit Union Details
- Charter Number
- 62978
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- WOODBURY
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, IDEAL runs 6 offices in 6 different cities.
| Office | City |
|---|---|
| Woodbury (Main Office) | Woodbury, MN |
| Eagan | Eagan, MN |
| Hugo | Hugo, MN |
| Inver Grove Heights | Inver Grove Heights, MN |
| North | North Saint Paul, MN |
| Stillwater | Stillwater, 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.
Other-state peers near IDEAL
Two NCUA Call Report peer sets for IDEAL, 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 ($1.08B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- IDEAL ranks #2,628 of 4,374 nationally on financial health and #60 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Topline Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Topline 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 IDEAL financially healthy?
IDEAL scores 81/100 (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 #2,628 of 4,374; by total assets it ranks #443 of 4,374 nationally (same basis as /rankings/largest); and #10 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.51% net worth ratio and a 0.91% delinquency rate.
How does IDEAL compare to other credit unions?
81/100 is IDEAL's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 IDEAL?
Membership eligibility for IDEAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact IDEAL directly for current membership requirements and application steps.
Is my money safe at IDEAL?
Federal credit unions like IDEAL 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. IDEAL's net worth ratio of 10.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does IDEAL offer compared to banks?
Credit unions like IDEAL 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 IDEAL 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.