Federal credit union · ROCHESTER, Minnesota · NCUA charter #24748
Mayo Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.46B
- Total assets
- 75,471
- Members
- 14.2%
- Net-worth ratio
Mayo Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.46B; members 75,471; net-worth ratio 14.21%; health rank #603 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#603 of 4,374 health · 2025Q4Mayo Employees · health 93/100 · $1.46B · 2025Q4
- NW 93/100
- DELQ 14.2%
- ROA 0.08%
- ASSETS 0.83%
- MEM $1.46B
- RANK 75,471
- PHOTO #603/4,374
- BOOK Community Credit Union of Florida
- CHARTER 24748
Call Report peers
Mayo Employees in the assets neighbourhood
Mayo Employees's $1.46B assets sit next to Community Credit Union of Florida ($1.46B) 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.
Mayo Employees 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
93 Top 16% higher than 84% 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
Mayo Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24748: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Mayo Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 14.21% vs peer 11.18% (+3.03 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -27.32 pp (56.58% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mayo Employees in Minnesota
- In Minnesota, health place is #16 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, Mayo Employees is #6 of 82 in Minnesota.
- Membership ranks #6 of 82 among Minnesota CUs with a reported count (75,471 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.
Mayo Employees: 2025Q4 → 2026Q1
Mayo Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.7% from $1.46B (2025Q4) to $1.53B (2026Q1).
- Net-worth ratio shifted -0.20 pp (14.41% → 14.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for Mayo Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.21% | +3.03 pp |
| Delinquency Rate | 0.08% | -0.79 pp |
| Return on Assets | 0.83% | +0.32 pp |
| Member Growth | 1.78% | - |
| Loan-to-Share Ratio | 56.58% | -27.32 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).
Mayo Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.53B | - |
| 2025Q4 | $1.46B | 75,471 |
| 2024Q4 | $1.39B | 74,149 |
| 2023Q4 | $1.35B | 73,335 |
Credit Union Details
- Charter Number
- 24748
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Minnesota
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for Mayo Employees, spread across 4 cities in 4 states.
| Office | City |
|---|---|
| Cascade Lake Office (Main Office) | Rochester, MN |
| Florida Branch Office | Jacksonville, FL |
| La Crosse Office | La Crosse, WI |
| Arizona Branch Office | Phoenix, AZ |
| St Marys Hospital | Rochester, MN |
| 41st St Office | Rochester, MN |
| Dan Abraham HLC | Rochester, MN |
| Canal Place | Rochester, MN |
| MEFCU Business Center | Rochester, MN |
| Kahler Office | Rochester, 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.
Mayo Employees nationwide neighbourhoods
Mayo Employees's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.46B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Mayo Employees ranks #603 of 4,374 nationally on financial health and #16 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Cooperative is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Cooperative
- 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 Mayo Employees financially healthy?
Mayo Employees scores 93/100 (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 #603 of 4,374; by total assets it ranks #333 of 4,374 nationally (same basis as /rankings/largest); and #6 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.21% net worth ratio and a 0.08% delinquency rate.
How does Mayo Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Mayo Employees's 93/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Mayo Employees?
Mayo Employees 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 Mayo Employees directly for the exact boundaries and application steps.
Is my money safe at Mayo Employees?
Federal credit unions like Mayo Employees 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. Mayo Employees's net worth ratio of 14.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mayo Employees offer compared to banks?
Credit unions like Mayo Employees 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 Mayo Employees 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.