Credit Union Safety Analysis
Is Brainerd B N Credit Union Safe? Brainerd, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Brainerd B N Credit Union has a net worth ratio of 10.76%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.17%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Brainerd B N Credit Union's net worth ratio is 10.76%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.76%
- Delinquency ratio (60+ days) (Q2 2026): 0.17%
- Return on assets (Q2 2026): 0.65%
- Loan-to-share ratio (Q2 2026): 55.95%
Brainerd B N Credit Union (NCUA charter 60436, established 1940) reported $127.8M in assets and 6,615 members for Q2 2026 from Brainerd, Minnesota. It ranks 36 of 79 credit unions in Minnesota by total assets. Total assets grew 8.6% from $117.7M on June 30, 2025. It has 107 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was down 0.33 percentage points from 11.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $47.6M of $63.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.17% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.88% for Q1 2026; 11.09% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.31% for Q1 2026; 0.32% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.27% for Q1 2026; 0.66% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 57.13% for Q1 2026; 58.42% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $47.6M
- Used vehicle loans: $9.1M
- Other secured non-real estate loans and lines of credit: $4.6M
- New vehicle loans: $1.8M
- Other unsecured loans and lines of credit: $207K
- Commercial loans: $191K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $127.8M | 10.76% | 0.17% | 0.65% | 55.95% |
| March 31, 2026 | $124.4M | 10.88% | 0.31% | 0.27% | 57.13% |
| December 31, 2025 | $122.6M | 10.98% | 0.39% | 0.61% | 59.21% |
| September 30, 2025 | $120.9M | 10.97% | 0.27% | 0.73% | 59.60% |
| June 30, 2025 | $117.7M | 11.09% | 0.32% | 0.66% | 58.42% |
| March 31, 2025 | $113.8M | 11.30% | 0.04% | 0.82% | 58.55% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Brainerd B N Credit Union profile
Regulator records: NCUA credit union profile (charter 60436) · FFIEC NIC profile (RSSD 480992)
Frequently asked questions
Is Brainerd B N Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Brainerd B N Credit Union's net worth ratio is 10.76%, above the 7% NCUA threshold for well capitalized.
Is Brainerd B N Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Brainerd B N Credit Union is a federally insured credit union (NCUA charter 60436): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Brainerd B N Credit Union's key safety ratios?
For Q2 2026, Brainerd B N Credit Union reports net worth 10.76%, delinquency 0.17%, ROA 0.65%, loan-to-share 55.95%.
What happens to my money if Brainerd B N Credit Union fails?
For Q2 2026, Brainerd B N Credit Union held $113.5M in shares and deposits for 6,615 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.