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
Call Report peers
Minnesota Valley in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Minnesota Valley sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Minnesota, City & County (#29) ties at 90/100; one place down, Deer River Cooperative (#31) ties at 90/100.
How Minnesota Valley's 5300 filing moved
Minnesota Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.5% from $319.6M (2025Q4) to $333.9M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.27% → 10.99%).
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
Minnesota Valley gives up 10 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Minnesota Valley financially healthy?
Minnesota Valley has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,131 of 4,374 nationally on health and #30 of 82 in Minnesota. Its net worth ratio is 10.99% and its delinquency rate 0.73%.
How does Minnesota Valley compare to other credit unions?
Minnesota Valley scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.73% vs 0.89%). Its widest shortfall is loan-to-share ratio (57.65% vs 72.20%).
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?
Minnesota Valley is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.