Federal credit union · Burley, Idaho · NCUA charter #82527
Mini-cassia Empl.
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $528K
- Total assets
- 341
- Members
- 12.3%
- Net-worth ratio
Mini-cassia Empl. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #82527, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mini-cassia Empl. - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)35
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)89
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.33% | 30% |
| Delinquency Rate | 2.58% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | 0.29% | 15% |
| Loan-to-Share Ratio | 93.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $528K | 341 |
| 2024Q4 | $509K | 340 |
| 2023Q4 | $520K | 344 |
Credit Union Details
- Charter Number
- 82527
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Idaho
- City
- Burley
- Data Quarter
- 2025Q4
What This Data Says About Mini-cassia Empl.
Headquartered in Burley, Idaho, Mini-cassia Empl. is a federal credit union with 341 members, $528K in total assets, and $411K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 12.33% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #82527 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.58% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 93.78% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.54% on net income of $3K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.29%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Mini-cassia Empl. financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mini-cassia Empl. carries a financial health score of 77/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.33% net worth ratio and a 2.58% delinquency rate.
How does Mini-cassia Empl. compare to other credit unions?
On PlainCU's health composite, Mini-cassia Empl. lands at 77/100, compared to a peer group average for Under $2M 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 Mini-cassia Empl.?
Membership eligibility for Mini-cassia Empl. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mini-cassia Empl. directly for current membership requirements and application steps.
Is my money safe at Mini-cassia Empl.?
Federal credit unions like Mini-cassia Empl. 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. Mini-cassia Empl.'s net worth ratio of 12.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mini-cassia Empl. offer compared to banks?
Credit unions like Mini-cassia Empl. 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 Mini-cassia Empl. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.