State credit union · Little Canada, Minnesota · NCUA charter #63977
Minnesota Catholic
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $37.6M
- Total assets
- 3,042
- Members
- 10.1%
- Net-worth ratio
Minnesota Catholic - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63977, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Minnesota Catholic - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth24
- Liquidity (loan-to-share)100
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.12% | 30% |
| Delinquency Rate | 0.17% | 25% |
| Return on Assets | 1.24% | 15% |
| Member Growth | -3.00% | 15% |
| Loan-to-Share Ratio | 72.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $37.6M | 3,042 |
| 2024Q4 | $37.4M | 3,136 |
| 2023Q4 | $38.8M | 3,236 |
Credit Union Details
- Charter Number
- 63977
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- Little Canada
- Data Quarter
- 2025Q4
What This Data Says About Minnesota Catholic
3,042 members and $37.6M in total assets sit behind Minnesota Catholic, a state credit union in Little Canada, Minnesota, which posts a health score of 89/100 (Excellent) on the five-factor composite, with $24.5M in outstanding loans as of Q4 2025 and a net worth ratio of 10.12% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63977 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.17% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 72.41% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.24% on net income of $465K 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 -3.00%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match 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 Minnesota Catholic financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Minnesota Catholic carries a financial health score of 89/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.12% net worth ratio and a 0.17% delinquency rate.
How does Minnesota Catholic compare to other credit unions?
PlainCU's health composite puts Minnesota Catholic at 89/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Minnesota Catholic?
Membership eligibility for Minnesota Catholic depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Minnesota Catholic directly for current membership requirements and application steps.
Is my money safe at Minnesota Catholic?
Federal credit unions like Minnesota Catholic 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. Minnesota Catholic's net worth ratio of 10.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Minnesota Catholic offer compared to banks?
Credit unions like Minnesota Catholic 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 Minnesota Catholic 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.