Federal credit union · Red Lake Falls, Minnesota · NCUA charter #6144
Red Lake Co Op
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $6.9M
- Total assets
- 1,440
- Members
- 12.9%
- Net-worth ratio
Red Lake Co Op scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.9M; members 1,440; net-worth ratio 12.93%; health rank #371 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#371 of 4,374 health · 2025Q4Red Lake Co Op · health 95/100 · $6.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Red Lake Co Op vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Red Lake Co Op sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Red Lake Co Op: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 77.45% vs peer 63.60% (+13.85 pp).
- Largest lag: Net Worth Ratio at 12.93% vs peer 19.06% (-6.13 pp).
Red Lake Co Op: in-state Call Report ranks
- In Minnesota, health place is #10 of 82 on the same NCUA-ratio sort used nationally.
- Minnesota assets place: #74 of 82.
- Minnesota membership ordinal: #64 of 82.
- One place up in Minnesota, CENTRICITY (#9) ties at 95/100; one place down, LATVIAN (#11) ties at 95/100.
How Red Lake Co Op's 5300 filing moved
Red Lake Co Op: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $6.9M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted -0.07 pp (13.00% → 12.93%).
12.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Red Lake Co Op gives up 5 points in total. Member Growth costs the most, 5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.93% | -6.13 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.76% | +0.31 pp |
| Member Growth | 0.84% | - |
| Loan-to-Share Ratio | 77.45% | +13.85 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.0M | - |
| 2025Q4 | $6.9M | 1,440 |
| 2024Q4 | $6.4M | 1,428 |
| 2023Q4 | $6.9M | 1,458 |
Credit Union Details
- Charter Number
- 6144
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Minnesota
- City
- Red Lake Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Red Lake Co Op.
| Office | City |
|---|---|
| Records (Main Office) | Red Lake Falls, MN |
| CU Office | Red Lake Falls, 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.
Red Lake Co Op nationwide neighbourhoods
Similar health score
Using this data
- Red Lake Co Op ranks #371 of 4,374 nationally on financial health and #10 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mower County Catholic Parishes is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mower County Catholic Parishes
Frequently Asked Questions
Is Red Lake Co Op financially healthy?
Red Lake Co Op has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #371 of 4,374 nationally on health and #10 of 82 in Minnesota. Its net worth ratio is 12.93% and its delinquency rate 0.00%.
How does Red Lake Co Op compare to other credit unions?
Red Lake Co Op scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (77.45% vs 63.60%). Its widest shortfall is net worth ratio (12.93% vs 19.06%).
How can I join Red Lake Co Op?
Red Lake Co Op serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Red Lake Co Op directly for the current list of qualifying groups.
Is my money safe at Red Lake Co Op?
Red Lake Co Op is a federal 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. Red Lake Co Op's net worth ratio of 12.93% 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.