State credit union · Austin, Minnesota · NCUA charter #63258
Mower County Catholic Parishes
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $6.6M
- Total assets
- 1,012
- Members
- 17.4%
- Net-worth ratio
Mower County Catholic Parishes - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63258 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Mower County Catholic Parishes - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)33
- Earnings (ROA)100
- Member growth70
- Liquidity (loan-to-share)100
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 17.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.37% | 30% |
| Delinquency Rate | 2.67% | 25% |
| Return on Assets | 1.59% | 15% |
| Member Growth | 1.20% | 15% |
| Loan-to-Share Ratio | 85.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.6M | 1,012 |
| 2024Q4 | $7.3M | 1,000 |
| 2023Q4 | $7.1M | 989 |
Credit Union Details
- Charter Number
- 63258
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- Austin
- Data Quarter
- 2025Q4
What This Data Says About Mower County Catholic Parishes
The five-factor composite scores Mower County Catholic Parishes at 79/100 (Very Good), reflecting a net worth ratio of 17.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Austin, Minnesota, reports 1,012 members, $6.6M in total assets, and $4.6M in outstanding loans as of Q4 2025 under charter #63258 (peer group $2M–$10M, a cohort of 566 similarly-sized institutions).
On loan book quality: 2.67% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 85.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.59% on net income of $105K 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 1.20%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
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 Mower County Catholic Parishes financially healthy?
Mower County Catholic Parishes has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.37% and delinquency rate of 2.67%.
How does Mower County Catholic Parishes compare to other credit unions?
Mower County Catholic Parishes scores 79/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Mower County Catholic Parishes?
Membership eligibility for Mower County Catholic Parishes depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mower County Catholic Parishes directly for current membership requirements and application steps.
Is my money safe at Mower County Catholic Parishes?
Federal credit unions like Mower County Catholic Parishes 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. Mower County Catholic Parishes's net worth ratio of 17.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mower County Catholic Parishes offer compared to banks?
Credit unions like Mower County Catholic Parishes 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 Mower County Catholic Parishes 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.