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
- NCUSIF 96/100
- CAMELS 9.3%
- HEALTH 0.41%
- NW 0.62%
- DELQ $815.1M
- ROA 67,454
- ASSETS #293/4,374
- MEM ATOMIC
- RANK 20194
Call Report peers
Mid Minnesota in the assets neighbourhood
Mid Minnesota's $815.1M assets sit next to ATOMIC ($816.4M) 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.
Mid Minnesota 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20194: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mid Minnesota: 2025Q4 → 2026Q1
Mid Minnesota: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $815.1M (2025Q4) to $833.9M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.18% → 9.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
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).
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
Mid Minnesota's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($815.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- 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 Mid Minnesota financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - Mid Minnesota'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 #293 of 4,374; by total assets it ranks #546 of 4,374 nationally (same basis as /rankings/largest); and #11 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.25% net worth ratio and 0.41% delinquency rate are the key drivers.
How does Mid Minnesota compare to other credit unions?
96/100 is Mid Minnesota's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Mid Minnesota 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. Mid Minnesota's net worth ratio of 9.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mid Minnesota offer compared to banks?
Credit unions like Mid Minnesota 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 Mid Minnesota 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.