State credit union · Little Canada, Minnesota · NCUA charter #63977
Minnesota Catholic
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $37.6M
- Total assets
- 3,042
- Members
- 12.6%
- Net-worth ratio
Minnesota Catholic scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.6M; members 3,042; net-worth ratio 12.56%; health rank #1,258 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,258 of 4,374 health · 2025Q4Minnesota Catholic · health 89/100 · $37.6M · 2025Q4
- DELQ 89/100
- ROA 12.6%
- ASSETS 0.17%
- MEM 1.24%
- RANK $37.6M
- PHOTO 3,042
- BOOK #1,258/4,374
- CHARTER N.J.T. Employees
- NCUSIF 63977
Call Report peers
Minnesota Catholic in the assets neighbourhood
Minnesota Catholic's $37.6M assets sit next to N.J.T. Employees ($37.6M) 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.
Minnesota Catholic 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
89 Top 31% higher than 69% 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
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: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 72.41% vs peer 59.80% (+12.61 pp).
- Largest lag: Net Worth Ratio at 12.56% vs peer 14.86% (-2.30 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Minnesota Catholic sits in Minnesota
- In Minnesota, health place is #36 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, Minnesota Catholic is #58 of 82 in Minnesota.
- Minnesota membership ordinal: #55 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.
How Minnesota Catholic's 5300 filing moved
Minnesota Catholic: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $37.6M (2025Q4) to $38.1M (2026Q1).
- Net-worth ratio shifted +0.11 pp (12.45% → 12.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 15.4 pts
Minnesota Catholic vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.56% | -2.30 pp |
| Delinquency Rate | 0.17% | -0.98 pp |
| Return on Assets | 1.24% | +0.53 pp |
| Member Growth | -3.00% | - |
| Loan-to-Share Ratio | 72.41% | +12.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Minnesota Catholic filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.1M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Minnesota Catholic runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Little Canada, MN |
| Epiphany Branch | Coon Rapids, MN |
| Fiserv | Madison, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Minnesota Catholic's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Minnesota Catholic ranks #1,258 of 4,374 nationally on financial health and #36 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NSP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NSP
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,258 of 4,374; by total assets it ranks #2,658 of 4,374 nationally (same basis as /rankings/largest); and #58 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.56% 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 12.56% 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.
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.