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
Call Report peers
Members Cooperative in the assets neighbourhood
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
Members Cooperative sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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%).
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.
- One place up in Minnesota, Minnesota Power Employees (#48) ties at 86/100; one place down, HEARTLAND (#50) ties at 86/100.
Members Cooperative Call Report trajectory
Members Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $1.17B (2025Q4) to $1.19B (2026Q1).
- Net-worth ratio shifted -0.02 pp (10.19% → 10.17%).
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
Members Cooperative gives up 14 points in total. Delinquency Rate costs the most, 9.2 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Members Cooperative financially healthy?
Members Cooperative has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,839 of 4,374 nationally on health and #49 of 82 in Minnesota. Its net worth ratio is 10.17% and its delinquency rate 1.56%.
How does Members Cooperative compare to other credit unions?
Members Cooperative scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.05% vs 83.90%). Its widest shortfall is net worth ratio (10.17% vs 11.18%).
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?
Members Cooperative 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. Members Cooperative's net worth ratio of 10.17% 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.