Credit Union Safety Analysis
Is City & County Credit Union Safe? Saint Paul, Minnesota
Based on its Q2 2026 NCUA 5300 call report, City & County Credit Union has a net worth ratio of 12.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, 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, City & County Credit Union's net worth ratio is 12.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.59%
- Loan-to-share ratio (Q2 2026): 68.77%
City & County Credit Union (NCUA charter 60255, established 1928) reported $1.17B in assets and 62,004 members for Q2 2026 from Saint Paul, Minnesota. It ranks 6 of 79 credit unions in Minnesota by total assets. Total assets grew 1.5% from $1.15B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.82% for Q1 2026; 11.71% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.29% for Q1 2026; 0.26% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.65% for Q1 2026; 0.46% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 65.86% for Q1 2026; 66.79% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $419.7M
- Commercial loans: $115.4M
- Used vehicle loans: $88.7M
- New vehicle loans: $24.6M
- Other unsecured loans and lines of credit: $21.3M
- Unsecured credit card loans: $19.5M
- Other secured non-real estate loans and lines of credit: $13.3M
- Non-federally guaranteed student loans: $8.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.17B | 12.08% | 0.32% | 0.59% | 68.77% |
| March 31, 2026 | $1.18B | 11.82% | 0.29% | 0.65% | 65.86% |
| December 31, 2025 | $1.17B | 11.79% | 0.31% | 0.47% | 66.84% |
| September 30, 2025 | $1.17B | 11.72% | 0.28% | 0.55% | 66.43% |
| June 30, 2025 | $1.15B | 11.71% | 0.26% | 0.46% | 66.79% |
| March 31, 2025 | $1.24B | 10.81% | 0.27% | 0.29% | 65.07% |
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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.
City & County Credit Union profile
Regulator records: NCUA credit union profile (charter 60255) · FFIEC NIC profile (RSSD 632492)
Frequently asked questions
Is City & County Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, City & County Credit Union's net worth ratio is 12.08%, above the 7% NCUA threshold for well capitalized.
Is City & County Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. City & County Credit Union is a federally insured credit union (NCUA charter 60255): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are City & County Credit Union's key safety ratios?
For Q2 2026, City & County Credit Union reports net worth 12.08%, delinquency 0.32%, ROA 0.59%, loan-to-share 68.77%.
What happens to my money if City & County Credit Union fails?
For Q2 2026, City & County Credit Union held $1.03B in shares and deposits for 62,004 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.