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
Call Report peers
Topline Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Topline Financial sits in 90-94 with 747 others.
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 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%).
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.
- One place up in Minnesota, Deer River Cooperative (#31) ties at 90/100; one place down, St. Cloud Financial (#33) ties at 90/100.
Topline Financial Call Report trajectory
Topline Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $1.12B (2025Q4) to $1.15B (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.91% → 9.78%).
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
Topline Financial gives up 10 points in total. Member Growth costs the most, 5.9 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Topline Financial financially healthy?
Topline Financial has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,153 of 4,374 nationally on health and #32 of 82 in Minnesota. Its net worth ratio is 9.78% and its delinquency rate 0.82%.
How does Topline Financial compare to other credit unions?
Topline Financial scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.24% vs 83.90%). Its widest shortfall is net worth ratio (9.78% vs 11.18%).
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?
Topline Financial 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. Topline Financial's net worth ratio of 9.78% 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.