State credit union · DULUTH, Minnesota · NCUA charter #60216
Members Cooperative
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.17B
- Total assets
- 58,973
- Members
- 10.2%
- Net-worth ratio
Members Cooperative scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.17B; members 58,973; net-worth ratio 10.17%; health rank #1,839 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,839 of 4,374 health · 2025Q4Members Cooperative · health 86/100 · $1.17B · 2025Q4
- CAMELS 86/100
- HEALTH 10.2%
- NW 1.56%
- DELQ 0.39%
- ROA $1.17B
- ASSETS 58,973
- MEM #1,839/4,374
- RANK UNIVERSITY
- PHOTO 60216
Call Report peers
Members Cooperative in the assets neighbourhood
Members Cooperative's $1.17B assets sit next to UNIVERSITY ($1.17B) 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.
Members Cooperative 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
86 Top 43% higher than 57% 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
Members Cooperative - Share Insurance Coverage
Charter #60216's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Members Cooperative: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +13.15 pp (97.05% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.01 pp (10.17% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Members Cooperative sits in Minnesota
- Minnesota health ordinal: #49 of 82.
- Assets rank #7 of 82 inside Minnesota ($1.17B reported).
- Member book place in Minnesota: #10 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.
Members Cooperative Call Report trajectory
Members Cooperative: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $1.17B (2025Q4) to $1.19B (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.19% → 10.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.8 pts
- Return on Assets 13.4 pts
- Member Growth 14.5 pts
- Loan-to-Share Ratio 12.3 pts
Members Cooperative vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.17% | -1.01 pp |
| Delinquency Rate | 1.56% | +0.68 pp |
| Return on Assets | 0.39% | -0.12 pp |
| Member Growth | 4.61% | - |
| Loan-to-Share Ratio | 97.05% | +13.15 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 - Members Cooperative
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.19B | - |
| 2025Q4 | $1.17B | 58,973 |
| 2024Q4 | $1.15B | 56,374 |
| 2023Q4 | $1.19B | 54,284 |
Credit Union Details
- Charter Number
- 60216
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- DULUTH
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Members Cooperative runs 12 offices in 10 different cities.
| Office | City |
|---|---|
| Duluth-Spirit Valley (Main Office) | Duluth, MN |
| Aitkin | Aitkin, MN |
| Baxter | Baxter, MN |
| Cloquet | Cloquet, MN |
| Miller Hill | Duluth, MN |
| BlueStone | Duluth, MN |
| Grand Rapids | Grand Rapids, MN |
| Isanti | Isanti, MN |
| McGregor | McGregor, MN |
| Moose Lake | Moose Lake, MN |
| North Branch | North Branch, MN |
| Sandstone | Sandstone, 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.
Cross-state Call Report peers for Members Cooperative
Members Cooperative's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.17B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Members Cooperative ranks #1,839 of 4,374 nationally on financial health and #49 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City & County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City & County
- 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 Members Cooperative financially healthy?
A 10.17% net worth ratio and a 1.56% delinquency rate feed into Members Cooperative's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,839 of 4,374; by total assets it ranks #409 of 4,374 nationally (same basis as /rankings/largest); and #7 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Members Cooperative compare to other credit unions?
On PlainCU's health composite, Members Cooperative lands at 86/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Members Cooperative?
Membership eligibility for Members Cooperative depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members Cooperative directly for current membership requirements and application steps.
Is my money safe at Members Cooperative?
Federal credit unions like Members Cooperative 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. Members Cooperative's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Cooperative offer compared to banks?
Credit unions like Members Cooperative 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 Members Cooperative 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.