Federal credit union · ROBBINSDALE, Minnesota · NCUA charter #16248
North Memorial
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $50.5M
- Total assets
- 4,529
- Members
- 11.6%
- Net-worth ratio
North Memorial scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.5M; members 4,529; net-worth ratio 11.55%; health rank #946 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#946 of 4,374 health · 2025Q4North Memorial · health 91/100 · $50.5M · 2025Q4
- CAMELS 91/100
- HEALTH 11.6%
- NW 0.82%
- DELQ 0.73%
- ROA $50.5M
- ASSETS 4,529
- MEM #946/4,374
- RANK Western Indiana Credit Union
- PHOTO 16248
Call Report peers
North Memorial in the assets neighbourhood
North Memorial's $50.5M assets sit next to Western Indiana Credit Union ($50.5M) 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.
North Memorial 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
91 Top 23% higher than 77% 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
North Memorial - Share Insurance Coverage
Charter #16248's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
North Memorial: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 67.25% vs peer 62.60% (+4.65 pp).
- Largest lag: Net Worth Ratio at 11.55% vs peer 13.62% (-2.07 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Memorial in Minnesota
- Health composite ranks #26 of 82 among scored Minnesota credit unions.
- Assets rank #51 of 82 inside Minnesota ($50.5M reported).
- Member book place in Minnesota: #49 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 North Memorial's 5300 filing moved
North Memorial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $50.5M (2025Q4) to $50.9M (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.37% → 11.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.55% | -2.07 pp |
| Delinquency Rate | 0.82% | -0.14 pp |
| Return on Assets | 0.73% | +0.08 pp |
| Member Growth | 0.47% | - |
| Loan-to-Share Ratio | 67.25% | +4.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - North Memorial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.9M | - |
| 2025Q4 | $50.5M | 4,529 |
| 2024Q4 | $50.4M | 4,508 |
| 2023Q4 | $50.1M | 4,461 |
Credit Union Details
- Charter Number
- 16248
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Minnesota
- City
- ROBBINSDALE
- Data Quarter
- 2025Q4
Branch Locations (2)
North Memorial operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| North Memorial FCU (Main Office) | Robbinsdale, MN |
| North Memorial FCU | Maple Grove, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
North Memorial nationwide neighbourhoods
Two NCUA Call Report peer sets for North Memorial, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- North Memorial ranks #946 of 4,374 nationally on financial health and #26 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PIPEFITTERS-STEAMFITTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PIPEFITTERS-STEAMFITTERS
- 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 North Memorial financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - North Memorial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #946 of 4,374; by total assets it ranks #2,396 of 4,374 nationally (same basis as /rankings/largest); and #51 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.55% net worth ratio and 0.82% delinquency rate are the key drivers.
How does North Memorial compare to other credit unions?
North Memorial scores 91/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 North Memorial?
North Memorial 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 North Memorial directly for the exact boundaries and application steps.
Is my money safe at North Memorial?
Federal credit unions like North Memorial 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. North Memorial's net worth ratio of 11.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Memorial offer compared to banks?
Credit unions like North Memorial 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 North Memorial 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.