Federal credit union · Mankato, Minnesota · NCUA charter #19440
Minnesota Valley
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $319.6M
- Total assets
- 18,374
- Members
- 11.0%
- Net-worth ratio
Minnesota Valley scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $319.6M; members 18,374; net-worth ratio 10.99%; health rank #1,131 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,131 of 4,374 health · 2025Q4Minnesota Valley · health 90/100 · $319.6M · 2025Q4
- CAMELS 90/100
- HEALTH 11.0%
- NW 0.73%
- DELQ 0.78%
- ROA $319.6M
- ASSETS 18,374
- MEM #1,131/4,374
- RANK SYNERGY
- PHOTO 19440
Call Report peers
Minnesota Valley in the assets neighbourhood
Minnesota Valley's $319.6M assets sit next to SYNERGY ($319.5M) 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 Valley 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
90 Top 27% higher than 73% 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 Valley - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19440: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Minnesota Valley: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.73% vs peer 0.89% (-0.16 pp).
- Loan-to-Share Ratio trails the peer set - 57.65% here, 72.20% peer average (-14.55 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota Valley: in-state Call Report ranks
- Minnesota health ordinal: #30 of 82.
- By total assets, Minnesota Valley is #20 of 82 in Minnesota.
- Membership ranks #22 of 82 among Minnesota CUs with a reported count (18,374 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.
How Minnesota Valley's 5300 filing moved
Minnesota Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $319.6M (2025Q4) to $333.9M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.27% → 10.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 11.7 pts
Call Report ratios for Minnesota Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.99% | -1.12 pp |
| Delinquency Rate | 0.73% | -0.16 pp |
| Return on Assets | 0.78% | +0.15 pp |
| Member Growth | 1.30% | - |
| Loan-to-Share Ratio | 57.65% | -14.55 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).
Minnesota Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $333.9M | - |
| 2025Q4 | $319.6M | 18,374 |
| 2024Q4 | $299.7M | 18,139 |
| 2023Q4 | $283.4M | 17,835 |
Credit Union Details
- Charter Number
- 19440
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Mankato
- Data Quarter
- 2025Q4
Branch Locations (3)
Minnesota Valley operates 3 offices in Mankato, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LOR (Main Office) | Mankato, MN |
| DRL | Mankato, MN |
| Georges Place | Mankato, 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 Valley
Cross-state asset and health neighbours for Minnesota Valley - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($319.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Minnesota Valley ranks #1,131 of 4,374 nationally on financial health and #30 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTRICITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTRICITY
- 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 Valley financially healthy?
A 10.99% net worth ratio and a 0.73% delinquency rate feed into Minnesota Valley's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,131 of 4,374; by total assets it ranks #1,003 of 4,374 nationally (same basis as /rankings/largest); and #20 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Minnesota Valley compare to other credit unions?
90/100 is Minnesota Valley's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Valley?
Minnesota Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Minnesota Valley directly for the exact boundaries and application steps.
Is my money safe at Minnesota Valley?
Federal credit unions like Minnesota Valley 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 Valley's net worth ratio of 10.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Minnesota Valley offer compared to banks?
Credit unions like Minnesota Valley 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 Valley 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.