State credit union · Maple Grove, Minnesota · NCUA charter #68731
Topline Financial
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.12B
- Total assets
- 69,595
- Members
- 7.6%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)96
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.59% | 30% |
| Delinquency Rate | 0.82% | 25% |
| Return on Assets | 0.57% | 15% |
| Member Growth | 0.11% | 15% |
| Loan-to-Share Ratio | 91.24% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Topline Financial
The five-factor composite scores Topline Financial at 84/100 (Excellent), reflecting a net worth ratio of 7.59% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Maple Grove, Minnesota, reports 69,595 members, $1.12B in total assets, and $877.1M in outstanding loans as of Q4 2025 under charter #68731 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Two more numbers round out the picture: a 0.82% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 91.24% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.57% on net income of $6.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.11%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Topline Financial financially healthy?
Topline Financial has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.59% and delinquency rate of 0.82%.
How does Topline Financial compare to other credit unions?
84/100 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 7.59% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.