State credit union · Austin, Minnesota · NCUA charter #64518
Mower County Employees
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $13.4M
- Total assets
- 799
- Members
- 14.0%
- Net-worth ratio
Mower County Employees scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.4M; members 799; net-worth ratio 13.97%; health rank #2,253 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,253 of 4,374 health · 2025Q4Mower County Employees · health 83/100 · $13.4M · 2025Q4
- CAMELS 83/100
- HEALTH 14.0%
- NW 0.02%
- DELQ 0.22%
- ROA $13.4M
- ASSETS 799
- MEM #2,253/4,374
- RANK Derry Area
- PHOTO 64518
Call Report peers
Mower County Employees in the assets neighbourhood
Mower County Employees's $13.4M assets sit next to Derry Area ($13.4M) 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.
Mower County 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
83 46th percentile higher than 46% 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
Mower County Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64518. See our deposit-insurance coverage note.
Mower County Employees vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 111.04% vs peer 59.80% (+51.24 pp).
- Net Worth Ratio trails the peer set - 13.97% here, 14.86% peer average (-0.89 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Minnesota standing for Mower County Employees
- Minnesota health ordinal: #53 of 82.
- Assets rank #65 of 82 inside Minnesota ($13.4M reported).
- Minnesota membership ordinal: #70 of 82.
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 Mower County Employees's 5300 filing moved
Mower County Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $13.4M (2025Q4) to $13.9M (2026Q1).
- Net-worth ratio shifted +1.02 pp (12.95% → 13.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 6.3 pts
Call Report ratios for Mower County Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.97% | -0.89 pp |
| Delinquency Rate | 0.02% | -1.12 pp |
| Return on Assets | 0.22% | -0.48 pp |
| Member Growth | 1.52% | - |
| Loan-to-Share Ratio | 111.04% | +51.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Mower County Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.9M | - |
| 2025Q4 | $13.4M | 799 |
| 2024Q4 | $12.1M | 787 |
| 2023Q4 | $11.9M | 769 |
Credit Union Details
- Charter Number
- 64518
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- Austin
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Mower County Employees runs one office.
| Office | City |
|---|---|
| Mower County Employees Credit Union (Main Office) | Austin, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Mower County Employees nationwide neighbourhoods
Mower County Employees's nationwide photo peers by assets and by health score, excluding Minnesota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Mower County Employees ranks #2,253 of 4,374 nationally on financial health and #53 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEAMSTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEAMSTERS
- 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 Mower County Employees financially healthy?
A 13.97% net worth ratio and a 0.02% delinquency rate feed into Mower County Employees's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,253 of 4,374; by total assets it ranks #3,388 of 4,374 nationally (same basis as /rankings/largest); and #65 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mower County Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Mower County Employees's 83/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Mower County Employees?
Membership eligibility for Mower County Employees 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 Employees directly for current membership requirements and application steps.
Is my money safe at Mower County Employees?
Federal credit unions like Mower County 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. Mower County Employees's net worth ratio of 13.97% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mower County Employees offer compared to banks?
Credit unions like Mower County 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 Mower County 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.