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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,527 of 4,374 health · 2025Q4Leading Edge · health 88/100 · $138.8M · 2025Q4
- NCUSIF 88/100
- CAMELS 8.7%
- HEALTH 0.77%
- NW 0.09%
- DELQ $138.8M
- ROA 11,920
- ASSETS #1,527/4,374
- MEM West Virginia
- RANK 66867
Call Report peers
Leading Edge in the assets neighbourhood
Leading Edge's $138.8M assets sit next to West Virginia ($138.8M) 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.
Leading Edge 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
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
Leading Edge - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66867. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Leading Edge: 2025Q4 → 2026Q1
Leading Edge: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.2% from $138.8M (2025Q4) to $146.0M (2026Q1).
- Net-worth ratio shifted -0.41 pp (9.09% → 8.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for Leading Edge - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($138.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 Leading Edge financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Leading Edge's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,527 of 4,374; by total assets it ranks #1,554 of 4,374 nationally (same basis as /rankings/largest); and #37 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.68% net worth ratio and 0.77% delinquency rate are the key drivers.
How does Leading Edge compare to other credit unions?
PlainCU's health composite puts Leading Edge at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Leading Edge 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. Leading Edge's net worth ratio of 8.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Leading Edge offer compared to banks?
Credit unions like Leading Edge 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 Leading Edge 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.