City & County Credit Union Saint Paul, Minnesota
City & County Credit Union is a state-chartered credit union headquartered in Saint Paul, MN, established in 1928 (NCUA charter 60255), and it is regulated and insured by the NCUA. At Q2 2026 it reported 62,004 members and total assets of $1.17B (up 1.5% from Q2 2025), the 6th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 12.08% at Q2 2026, in the well capitalized band.
Also written as City & County CU
BankRegReports is independent of City & County Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60255
- Headquarters
- Saint Paul, MN
- Established
- 1928
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +1.5%
- Members, Q2 2026
- 62,004
- Net worth ratio, Q2 2026
- 12.08%
- Latest call report
- Q2 2026, NCUA 5300 · City & County Credit Union call report
- Asset rank in state
- 6th of 79 in Minnesota
- Routing number
- 296075810
- Branches
- 13
It has 286 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 0.37 percentage points from 11.71% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $419.7M of $711.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.08% net worth ratio is above that band's 10.89% median.
Credit unions merged into City & County Credit Union
Mill City Credit Union (2019)
Frequently asked about City & County Credit Union
How big is City & County Credit Union?
At Q2 2026 it reported total assets of $1.17B and 62,004 members.
Where is City & County Credit Union headquartered?
It is headquartered in Saint Paul, MN, United States.
When was City & County Credit Union founded?
It was established in 1928, per NCUA records.
Is City & County Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60255): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates City & County Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is City & County Credit Union well capitalized?
Its net worth ratio was 12.08% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is City & County Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is City & County Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.77% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Paul, MN 55101
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1928
- NCUA Charter #
- 60255
- RSSD ID
- 632492
- Members
- 62,004
- Potential members
- 3,690,105
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.08% | 10.89% | 67th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.59% | 0.89% | 25th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.91% | 8.07% | 23rd bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.44% | 3.45% | 50th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 80.11% | 70.59% | 17th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.89% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.32% | 0.68% | 89th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.33% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 68.77% | 88.03% | 15th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.17B total assets against $1.15B; $1.03B total shares and deposits against $1.03B; $711.4M total loans against $687.5M.
$141.6M net worth against $135.2M.
12.08% net worth ratio against 11.71%.
68.77% loan-to-share ratio against 66.79%.
0.32% delinquency ratio against 0.26%.
0.59% return on assets against 0.46%; 4.91% return on equity against 3.93%.
3.44% net interest margin against 3.27%.
62,004 members against 62,290.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.08% | 0.59% | 0.32% | 68.77% |
| March 31, 2026 | 11.82% | 0.65% | 0.29% | 65.86% |
| December 31, 2025 | 11.79% | 0.47% | 0.31% | 66.84% |
| September 30, 2025 | 11.72% | 0.55% | 0.28% | 66.43% |
| June 30, 2025 | 11.71% | 0.46% | 0.26% | 66.79% |
| March 31, 2025 | 10.81% | 0.29% | 0.27% | 65.07% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.