Federal credit union · Eagan, Minnesota · NCUA charter #24960
Tribe
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $948K
- Total assets
- 26
- Members
- 52.3%
- Net-worth ratio
Tribe - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24960 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Tribe - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)-
- Earnings (ROA)16
- Member growth100
- Liquidity (loan-to-share)40
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
52.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 52.34% | 30% |
| Delinquency Rate | - | 25% |
| Return on Assets | -0.23% | 15% |
| Member Growth | 2500.00% | 15% |
| Loan-to-Share Ratio | 0.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $948K | 26 |
| 2024Q4 | $289K | 1 |
Credit Union Details
- Charter Number
- 24960
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Minnesota
- City
- Eagan
- Data Quarter
- 2025Q4
What This Data Says About Tribe
Headquartered in Eagan, Minnesota, Tribe is a federal credit union with 26 members, $948K in total assets, and $0 in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 71/100 (Very Good), driven in part by a net worth ratio of 52.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24960 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: - of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Meanwhile a 0.00% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.23% on net income of $-2205 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 2500.00%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Tribe financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Tribe carries a financial health score of 71/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 52.34% net worth ratio and a - delinquency rate.
How does Tribe compare to other credit unions?
PlainCU's health composite puts Tribe at 71/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Tribe?
Tribe 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 Tribe directly for the exact boundaries and application steps.
Is my money safe at Tribe?
Federal credit unions like Tribe 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. Tribe's net worth ratio of 52.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tribe offer compared to banks?
Credit unions like Tribe 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 Tribe 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.