State credit union · Maple Grove, Minnesota · NCUA charter #68731
Topline Financial
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $1.12B
- Total assets
- 69,595
- Members
- 9.8%
- Net-worth ratio
Topline Financial scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.12B; members 69,595; net-worth ratio 9.78%; health rank #1,153 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,153 of 4,374 health · 2025Q4Topline Financial · health 90/100 · $1.12B · 2025Q4
- NW 90/100
- DELQ 9.8%
- ROA 0.82%
- ASSETS 0.57%
- MEM $1.12B
- RANK 69,595
- PHOTO #1,153/4,374
- BOOK Abbott Laboratories
- CHARTER 68731
Call Report peers
Topline Financial in the assets neighbourhood
Topline Financial's $1.12B assets sit next to Abbott Laboratories ($1.12B) 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.
Topline Financial 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
90 Top 27% higher than 73% 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
Topline Financial - Share Insurance Coverage
Charter #68731'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.
Topline Financial vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 91.24% vs peer 83.90% (+7.34 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.40 pp (9.78% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Topline Financial sits in Minnesota
- In Minnesota, health place is #32 of 82 on the same NCUA-ratio sort used nationally.
- Assets rank #9 of 82 inside Minnesota ($1.12B reported).
- Member book place in Minnesota: #7 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.
Topline Financial Call Report trajectory
Topline Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $1.12B (2025Q4) to $1.15B (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.91% → 9.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Topline Financial
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.78% | -1.40 pp |
| Delinquency Rate | 0.82% | -0.05 pp |
| Return on Assets | 0.57% | +0.07 pp |
| Member Growth | 0.11% | - |
| Loan-to-Share Ratio | 91.24% | +7.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Topline Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.15B | - |
| 2025Q4 | $1.12B | 69,595 |
| 2024Q4 | $1.11B | 69,520 |
| 2023Q4 | $801.3M | 51,088 |
Credit Union Details
- Charter Number
- 68731
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Maple Grove
- Data Quarter
- 2025Q4
Branch Locations (12)
Per its most recent NCUA branch filing, Topline Financial runs 12 offices in 10 different cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Maple Grove, MN |
| Bloomington | Bloomington, MN |
| Brooklyn Park | Brooklyn Park, MN |
| Champlin | Champlin, MN |
| Circle Pines | Circle Pines, MN |
| Coon Rapids | Coon Rapids, MN |
| Forest Lake | Forest Lake, MN |
| Maple Grove - Arbor Lakes | Maple Grove, MN |
| Maple Grove - West | Maple Grove, MN |
| Plymouth | Plymouth, MN |
| St Francis | Saint Francis, MN |
| Como Park - St. Paul | Saint Paul, 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.
Cross-state Call Report peers for Topline Financial
Cross-state asset and health neighbours for Topline Financial - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.12B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Topline Financial ranks #1,153 of 4,374 nationally on financial health and #32 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- IDEAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with IDEAL
- 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 Topline Financial financially healthy?
Topline Financial has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,153 of 4,374; by total assets it ranks #428 of 4,374 nationally (same basis as /rankings/largest); and #9 of 82 within Minnesota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.78% and delinquency rate of 0.82%.
How does Topline Financial compare to other credit unions?
90/100 is Topline Financial's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Topline Financial?
Membership eligibility for Topline Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Topline Financial directly for current membership requirements and application steps.
Is my money safe at Topline Financial?
Federal credit unions like Topline Financial 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. Topline Financial's net worth ratio of 9.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Topline Financial offer compared to banks?
Credit unions like Topline Financial 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 Topline Financial 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.