State credit union · BLOOMINGTON, Minnesota · NCUA charter #60125
MY
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $357.0M
- Total assets
- 22,579
- Members
- 9.3%
- Net-worth ratio
MY scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $357.0M; members 22,579; net-worth ratio 9.35%; health rank #3,778 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,778 of 4,374 health · 2025Q4MY · health 67/100 · $357.0M · 2025Q4
Call Report peers
MY in the assets neighbourhood
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MY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MY sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for MY
- Loan-to-Share Ratio leads the peer set - 95.40% here, 72.20% peer average (+23.20 pp).
- Largest lag: Net Worth Ratio at 9.35% vs peer 12.11% (-2.76 pp).
MY: in-state Call Report ranks
- In Minnesota, health place is #79 of 82 on the same NCUA-ratio sort used nationally.
- Assets rank #18 of 82 inside Minnesota ($357.0M reported).
- Member book place in Minnesota: #16 of 82.
- One place up in Minnesota, Northridge Community (#78) scores 70/100, 3 points higher; one place down, Electric Machinery Employees (#80) scores 63/100, 4 points lower.
How MY's 5300 filing moved
MY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $357.0M (2025Q4) to $371.3M (2026Q1).
- Net-worth ratio shifted -0.30 pp (9.65% → 9.35%).
This credit union's 9.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
MY gives up 33 points in total. Member Growth costs the most, 14.4 of its 15; Net Worth Ratio loses the least, 1.6.
- Net Worth Ratio 28.4 pts
- Delinquency Rate 15.3 pts
- Return on Assets 10.4 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 12.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.35% | -2.76 pp |
| Delinquency Rate | 1.62% | +0.73 pp |
| Return on Assets | 0.19% | -0.43 pp |
| Member Growth | -4.69% | - |
| Loan-to-Share Ratio | 95.40% | +23.20 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
MY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $371.3M | - |
| 2025Q4 | $357.0M | 22,579 |
| 2024Q4 | $376.6M | 23,691 |
| 2023Q4 | $386.3M | 23,874 |
Credit Union Details
- Charter Number
- 60125
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- BLOOMINGTON
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for MY, spread across 3 cities.
| Office | City |
|---|---|
| Lyndale (Main Office) | Bloomington, MN |
| Bloomington | Bloomington, MN |
| Inver Grove Heights | Inver Grove Heights, MN |
| Richfield | Richfield, 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.
Nationwide credit unions with similar profiles
Using this data
- MY ranks #3,778 of 4,374 nationally on financial health and #79 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHAREPOINT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHAREPOINT
Frequently Asked Questions
Is MY financially healthy?
On its 2025Q4 NCUA 5300 filing, MY scores 67/100 (Good), with a 9.35% net worth ratio and 1.62% of loans delinquent. It ranks #3,778 of 4,374 nationally on health and #79 of 82 in Minnesota.
How does MY compare to other credit unions?
MY scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.40% vs 72.20%). Its widest shortfall is net worth ratio (9.35% vs 12.11%).
How can I join MY?
Membership eligibility for MY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MY directly for current membership requirements and application steps.
Is my money safe at MY?
MY is a state-chartered 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. MY's net worth ratio of 9.35% 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.