State credit union · Cambridge, Minnesota · NCUA charter #63639
MINNCO
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $601.8M
- Total assets
- 36,957
- Members
- 9.5%
- Net-worth ratio
MINNCO scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $601.8M; members 36,957; net-worth ratio 9.51%; health rank #290 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#290 of 4,374 health · 2025Q4MINNCO · health 96/100 · $601.8M · 2025Q4
- ROA 96/100
- ASSETS 9.5%
- MEM 0.69%
- RANK 0.48%
- PHOTO $601.8M
- BOOK 36,957
- CHARTER #290/4,374
- NCUSIF CO-OP
- CAMELS 63639
Call Report peers
MINNCO in the assets neighbourhood
MINNCO's $601.8M assets sit next to CO-OP ($601.4M) 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.
MINNCO 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
MINNCO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63639. See our deposit-insurance coverage note.
MINNCO: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.69% vs peer 0.87% (-0.19 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.43 pp (69.47% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
MINNCO: in-state Call Report ranks
- In Minnesota, health place is #7 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, MINNCO is #13 of 82 in Minnesota.
- Minnesota membership ordinal: #12 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.
MINNCO: 2025Q4 → 2026Q1
MINNCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $601.8M (2025Q4) to $612.4M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.49% → 9.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 28.8 pts
- Delinquency Rate 23.1 pts
- Return on Assets 14.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.4 pts
MINNCO health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.51% | -1.67 pp |
| Delinquency Rate | 0.69% | -0.19 pp |
| Return on Assets | 0.48% | -0.03 pp |
| Member Growth | 9.15% | - |
| Loan-to-Share Ratio | 69.47% | -14.43 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).
MINNCO filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $612.4M | - |
| 2025Q4 | $601.8M | 36,957 |
| 2024Q4 | $523.4M | 33,860 |
| 2023Q4 | $518.0M | 32,875 |
Credit Union Details
- Charter Number
- 63639
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Cambridge
- Data Quarter
- 2025Q4
Branch Locations (8)
MINNCO operates 8 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Minnco Center (Main Office) | Cambridge, MN |
| Andover Office | Andover, MN |
| Big Lake Office | Big Lake, MN |
| Cambridge Office | Cambridge, MN |
| Isanti Office | Isanti, MN |
| North Branch Office | North Branch, MN |
| Princeton Office | Princeton, MN |
| Vadnais Heights | Vadnais Heights, 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.
Cross-state Call Report peers for MINNCO
Two NCUA Call Report peer sets for MINNCO, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($601.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- MINNCO ranks #290 of 4,374 nationally on financial health and #7 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 MINNCO financially healthy?
MINNCO has a financial health score of 96/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #290 of 4,374; by total assets it ranks #679 of 4,374 nationally (same basis as /rankings/largest); and #13 of 82 within Minnesota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.51% and delinquency rate of 0.69%.
How does MINNCO compare to other credit unions?
On PlainCU's health composite, MINNCO lands at 96/100, 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 MINNCO?
Membership eligibility for MINNCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MINNCO directly for current membership requirements and application steps.
Is my money safe at MINNCO?
Federal credit unions like MINNCO 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. MINNCO's net worth ratio of 9.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MINNCO offer compared to banks?
Credit unions like MINNCO 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 MINNCO 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.