Federal credit union · Baxter, Minnesota · NCUA charter #20194
Mid Minnesota
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $815.1M
- Total assets
- 67,454
- Members
- 9.3%
- Net-worth ratio
Mid Minnesota scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $815.1M; members 67,454; net-worth ratio 9.25%; health rank #293 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#293 of 4,374 health · 2025Q4Mid Minnesota · health 96/100 · $815.1M · 2025Q4
Call Report peers
Mid Minnesota in the assets neighbourhood
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Mid Minnesota vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mid Minnesota sits in 95-99 with 391 others.
96 Top 7% higher than 93% 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
Mid Minnesota: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.22 pp (94.12% vs 83.90%).
- Net Worth Ratio trails the peer set - 9.25% here, 11.18% peer average (-1.93 pp).
Mid Minnesota in Minnesota
- Health composite ranks #8 of 82 among scored Minnesota credit unions.
- By total assets, Mid Minnesota is #11 of 82 in Minnesota.
- Membership ranks #8 of 82 among Minnesota CUs with a reported count (67,454 members).
- One place up in Minnesota, MINNCO (#7) ties at 96/100; one place down, CENTRICITY (#9) scores 95/100, 1 point lower.
Mid Minnesota: 2025Q4 → 2026Q1
Mid Minnesota: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $815.1M (2025Q4) to $833.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.18% → 9.25%).
At 9.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
Mid Minnesota gives up 4 points in total. Net Worth Ratio costs the most, 1.9 of its 30; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 28.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.7 pts
- Loan-to-Share Ratio 13.2 pts
Call Report ratios for Mid Minnesota
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.25% | -1.93 pp |
| Delinquency Rate | 0.41% | -0.46 pp |
| Return on Assets | 0.62% | +0.12 pp |
| Member Growth | 4.78% | - |
| Loan-to-Share Ratio | 94.12% | +10.22 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Mid Minnesota filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $833.9M | - |
| 2025Q4 | $815.1M | 67,454 |
| 2024Q4 | $752.6M | 64,377 |
| 2023Q4 | $725.3M | 61,747 |
Credit Union Details
- Charter Number
- 20194
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Baxter
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Mid Minnesota runs 12 offices in 12 different cities.
| Office | City |
|---|---|
| Mid Minnesota Federal Credit Union (Main Office) | Baxter, MN |
| Mid Minnesota Federal Credit Union | Ada, MN |
| Mid Minnesota Federal Credit Union | Aitkin, MN |
| Mid Minnesota Federal Credit Union | Alexandria, MN |
| Mid Minnesota Federal Credit Union | Brainerd, MN |
| Mid Minneosta Federal Credit Union | Crosby, MN |
| Mid Minnesota Federal Credit Union | Detroit Lakes, MN |
| Mid Minnesota Federal Credit Union | Fergus Falls, MN |
| Mid Minnesota Federal Credit Union | Little Falls, MN |
| Mid Minnesota Federal Credit Union | Pequot Lakes, MN |
| Mid Minnesota Federal Credit Union | Staples, MN |
| Mid Minnesota Federal Credit Union | Wadena, 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.
Other-state peers near Mid Minnesota
Using this data
- Mid Minnesota ranks #293 of 4,374 nationally on financial health and #8 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southpoint Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southpoint Financial
Frequently Asked Questions
Is Mid Minnesota financially healthy?
On its 2025Q4 NCUA 5300 filing, Mid Minnesota scores 96/100 (Excellent), with a 9.25% net worth ratio and 0.41% of loans delinquent. It ranks #293 of 4,374 nationally on health and #8 of 82 in Minnesota.
How does Mid Minnesota compare to other credit unions?
Mid Minnesota scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.12% vs 83.90%). Its widest shortfall is net worth ratio (9.25% vs 11.18%).
How can I join Mid Minnesota?
Mid Minnesota 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 Mid Minnesota directly for the exact boundaries and application steps.
Is my money safe at Mid Minnesota?
Mid Minnesota is a federal 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. Mid Minnesota's net worth ratio of 9.25% 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.