State credit union · DULUTH, Minnesota · NCUA charter #60377
Minnesota Power Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $158.9M
- Total assets
- 4,885
- Members
- 13.6%
- Net-worth ratio
Minnesota Power Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $158.9M; members 4,885; net-worth ratio 13.62%; health rank #1,788 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,788 of 4,374 health · 2025Q4Minnesota Power Employees · health 86/100 · $158.9M · 2025Q4
- PHOTO 86/100
- BOOK 13.6%
- CHARTER 0.72%
- NCUSIF 0.77%
- CAMELS $158.9M
- HEALTH 4,885
- NW #1,788/4,374
- DELQ H.P.C.
- ROA 60377
Call Report peers
Minnesota Power Employees in the assets neighbourhood
Minnesota Power Employees's $158.9M assets sit next to H.P.C. ($158.9M) 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 Power Employees 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
86 Top 43% higher than 57% 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 Power Employees - Share Insurance Coverage
Charter #60377's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Minnesota Power Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 91.43% here, 72.20% peer average (+19.23 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Minnesota Power Employees sits in Minnesota
- In Minnesota, health place is #48 of 82 on the same NCUA-ratio sort used nationally.
- Assets rank #35 of 82 inside Minnesota ($158.9M reported).
- Membership ranks #44 of 82 among Minnesota CUs with a reported count (4,885 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.
Minnesota Power Employees Call Report trajectory
Minnesota Power Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $158.9M (2025Q4) to $170.3M (2026Q1).
- Net-worth ratio shifted -0.64 pp (14.26% → 13.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 14.3 pts
Minnesota Power Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.62% | +1.51 pp |
| Delinquency Rate | 0.72% | -0.18 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 91.43% | +19.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $170.3M | - |
| 2025Q4 | $158.9M | 4,885 |
| 2024Q4 | $160.2M | 5,028 |
| 2023Q4 | $147.4M | 5,126 |
Credit Union Details
- Charter Number
- 60377
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- DULUTH
- Data Quarter
- 2025Q4
Branch Locations (3)
Minnesota Power Employees operates 3 offices in Duluth, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MPECU (Main Office) | Duluth, MN |
| Arrowhead Branch | Duluth, MN |
| Miller Plaza | Duluth, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Other-state peers near Minnesota Power Employees
Two NCUA Call Report peer sets for Minnesota Power Employees, 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 ($158.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Minnesota Power Employees ranks #1,788 of 4,374 nationally on financial health and #48 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Harbor Pointe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Harbor Pointe
- 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 Power Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Minnesota Power Employees carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,788 of 4,374; by total assets it ranks #1,457 of 4,374 nationally (same basis as /rankings/largest); and #35 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.62% net worth ratio and a 0.72% delinquency rate.
How does Minnesota Power Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Minnesota Power Employees's 86/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Power Employees?
Membership eligibility for Minnesota Power Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Minnesota Power Employees directly for current membership requirements and application steps.
Is my money safe at Minnesota Power Employees?
Federal credit unions like Minnesota Power Employees 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 Power Employees's net worth ratio of 13.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Minnesota Power Employees offer compared to banks?
Credit unions like Minnesota Power Employees 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 Power Employees 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.