State overview · Q4 2025
Minnesota Credit Unions
All 82 federally-insured credit unions in Minnesota, ranked by financial health, from NCUA 5300 Call Reports.
- 82
- Credit unions
- 2.2M
- Members
- $43.5B
- Combined assets
- 86/100
- Avg health
Minnesota has 82 federally insured credit unions averaging 86/100 health on NCUA 5300 Call Report aggregates. Combined assets $43.5B; 62 score Excellent (80+). State leader: North Shore at 100/100.
- Mean delinquency rank #10 of 52 (lower DQ better)
- Mean ROA rank #1 of 52
- Data vintage 2026-09-06
Minnesota vs all states by credit-union count
Where this state's federally insured CU count sits among every state and D.C. on PlainCU
82 18th of 54 higher than 36 of 54 states
States and D.C., banded by federally insured credit-union count
Each bar is a band; taller bars hold more states. 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 · Q4 2025
Health-score distribution
How Minnesota's 82 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.
Minnesota Call Report quality, low mean delinquency cohort
Mean NCUA 5300 ratios across 82 federally insured credit unions in Minnesota, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.
A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Minnesota is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.
Minnesota vs. a national sample of states' credit-union sectors
All Credit Unions in Minnesota
† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.
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.
What This Data Says About Credit Unions in Minnesota
Minnesota is home to 82 federally-insured credit unions collectively serving 2.2M members with $43.5B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 86/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. North Shore of Silver Bay currently leads the cohort with a health score of 100/100, while the full distribution spans 82 institutions ranked below.
The health distribution breaks into four bands: 62 credit unions score 80–100 (Excellent), 19 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.
Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Minnesota's 82 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.
Nationwide states with similar credit-union assets or inventory
Two NCUA Call Report peer sets for Minnesota: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.
Similar combined assets
Nearest states by total credit-union assets ($43.5B here).
Similar credit-union inventory
Nearest states by federally-insured credit-union count (82 here).
Frequently Asked Questions
How many credit unions are in Minnesota?
There are 82 federally-insured credit unions in Minnesota as of Q4 2025, with a combined 2.2M members and $43.5B in total assets. That places Minnesota at #18 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Minnesota ranks #8 of 54. All data is sourced from the NCUA 5300 Call Report.
What is the healthiest credit union in Minnesota?
Based on NCUA Q4 2025 data, North Shore in Silver Bay ranks highest in Minnesota with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.
Are credit unions safer than banks?
Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.
Using Minnesota's data
- North Shore in Silver Bay is the healthiest scored credit union in Minnesota at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
- Minnesota's credit unions rank #10 of 52 nationally on delinquency rate (among the lowest) and #1 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
- Minnesota ranks #8 of 54 by average health score and #18 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews
Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Read our methodology - how this data is sourced, computed, and verified.