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
Call Report peers
IDEAL in the assets neighbourhood
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IDEAL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); IDEAL sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Minnesota, Toro Employees (#59) ties at 81/100; one place down, ACCENTRA (#61) ties at 81/100.
IDEAL Call Report trajectory
IDEAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $1.08B (2025Q4) to $1.09B (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.43% → 10.51%).
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
IDEAL gives up 19 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is IDEAL financially healthy?
IDEAL has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,628 of 4,374 nationally on health and #60 of 82 in Minnesota. Its net worth ratio is 10.51% and its delinquency rate 0.91%.
How does IDEAL compare to other credit unions?
IDEAL scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (98.02% vs 83.90%). Its widest shortfall is net worth ratio (10.51% vs 11.18%).
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?
IDEAL 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. IDEAL's net worth ratio of 10.51% 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.