Federal credit union · Mankato, Minnesota · NCUA charter #19440
Minnesota Valley
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $319.6M
- Total assets
- 18,374
- Members
- 10.6%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth70
- Liquidity (loan-to-share)81
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.59% | 30% |
| Delinquency Rate | 0.73% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | 1.30% | 15% |
| Loan-to-Share Ratio | 57.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Minnesota Valley
Headquartered in Mankato, Minnesota, Minnesota Valley is a federal credit union with 18,374 members, $319.6M in total assets, and $162.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 90/100 (Excellent), driven in part by a net worth ratio of 10.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #19440 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 0.73% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 57.65% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.78% on net income of $2.5M 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 1.30%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group 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 Valley financially healthy?
A 10.59% 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. 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 10.59% 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.
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.