State credit union · Worthington, Minnesota · NCUA charter #66867
Leading Edge
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $138.8M
- Total assets
- 11,920
- Members
- 8.7%
- Net-worth ratio
Leading Edge scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $138.8M; members 11,920; net-worth ratio 8.68%; health rank #1,527 of 4,374; healthier than 65th of scored peers.
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NCUA 5300 Call Report Masthead
#1,527 of 4,374 health · 2025Q4Leading Edge · health 88/100 · $138.8M · 2025Q4
Call Report peers
Leading Edge in the assets neighbourhood
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Leading Edge vs every NCUA-scored credit union
Leading Edge sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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 Leading Edge
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +16.24 pp (88.44% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -3.43 pp (8.68% vs 12.11%).
Where Leading Edge sits in Minnesota
- In Minnesota, health place is #43 of 82 on the same NCUA-ratio sort used nationally.
- Assets rank #37 of 82 inside Minnesota ($138.8M reported).
- Membership ranks #31 of 82 among Minnesota CUs with a reported count (11,920 members).
- One place up in Minnesota, NORTHWOODS (#42) ties at 88/100; one place down, Embarrass Vermillion (#44) scores 87/100, 1 point lower.
Leading Edge: 2025Q4 → 2026Q1
Leading Edge: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.2% from $138.8M (2025Q4) to $146.0M (2026Q1).
- Net-worth ratio shifted -0.41 pp (9.09% → 8.68%).
This credit union's 8.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Leading Edge gives up 12 points in total. Return on Assets costs the most, 6.4 of its 15; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 22.3 pts
- Return on Assets 8.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Leading Edge
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.68% | -3.43 pp |
| Delinquency Rate | 0.77% | -0.13 pp |
| Return on Assets | 0.09% | -0.53 pp |
| Member Growth | 6.88% | - |
| Loan-to-Share Ratio | 88.44% | +16.24 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Leading Edge quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $146.0M | - |
| 2025Q4 | $138.8M | 11,920 |
| 2024Q4 | $142.9M | 11,153 |
| 2023Q4 | $145.1M | 11,136 |
Credit Union Details
- Charter Number
- 66867
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Worthington
- Data Quarter
- 2025Q4
Branch Locations (5)
Leading Edge operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Worthington (Main Office) | Worthington, MN |
| Fulda | Fulda, MN |
| Jackson | Jackson, MN |
| Marshall | Marshall, MN |
| Windom | Windom, 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.
Nationwide credit unions with similar profiles
Using this data
- Leading Edge ranks #1,527 of 4,374 nationally on financial health and #43 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harbor Pointe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harbor Pointe
Frequently Asked Questions
Is Leading Edge financially healthy?
On its 2025Q4 NCUA 5300 filing, Leading Edge scores 88/100 (Excellent), with a 8.68% net worth ratio and 0.77% of loans delinquent. It ranks #1,527 of 4,374 nationally on health and #43 of 82 in Minnesota.
How does Leading Edge compare to other credit unions?
Leading Edge scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.44% vs 72.20%). Its widest shortfall is net worth ratio (8.68% vs 12.11%).
How can I join Leading Edge?
Membership eligibility for Leading Edge depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Leading Edge directly for current membership requirements and application steps.
Is my money safe at Leading Edge?
Leading Edge 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. Leading Edge's net worth ratio of 8.68% 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.