Co-Op Credit Union of Montevideo Montevideo, Minnesota
Co-Op Credit Union of Montevideo is a state-chartered credit union headquartered in Montevideo, MN, established in 1940 (NCUA charter 62419), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,059 members and total assets of $422.8M (up 10.0% from Q2 2025), the 14th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 15.80% at Q2 2026, in the well capitalized band.
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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
- 62419
- Headquarters
- Montevideo, MN
- Established
- 1940
- Total assets, Q2 2026
- $422.8M
- Assets vs Q2 2025
- +10.0%
- Members, Q2 2026
- 18,059
- Net worth ratio, Q2 2026
- 15.80%
- Latest call report
- Q2 2026, NCUA 5300 · Co-Op Credit Union of Montevideo call report
- Asset rank in state
- 14th of 79 in Minnesota
- Routing number
- 291275194
- Branches
- 4
It has 591 more members than on June 30, 2025 (+3.4%). Its net worth ratio was up 0.49 percentage points from 15.31% on June 30, 2025. Commercial loans are its largest loan category, $142.1M of $284.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.18% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.80% net worth ratio is above that band's 11.43% median.
Frequently asked about Co-Op Credit Union of Montevideo
How big is Co-Op Credit Union of Montevideo?
At Q2 2026 it reported total assets of $422.8M and 18,059 members.
Where is Co-Op Credit Union of Montevideo headquartered?
It is headquartered in Montevideo, MN, United States.
When was Co-Op Credit Union of Montevideo founded?
It was established in 1940, per NCUA records.
Is Co-Op Credit Union of Montevideo FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62419): 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 Co-Op Credit Union of Montevideo?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Co-Op Credit Union of Montevideo well capitalized?
Its net worth ratio was 15.80% 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 Co-Op Credit Union of Montevideo's delinquency ratio?
Its delinquency ratio was 3.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Co-Op Credit Union of Montevideo's loan-to-share ratio?
Its loan-to-share ratio was 80.65% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Montevideo, MN 56265
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 62419
- RSSD ID
- 638391
- Members
- 18,059
- Potential members
- 250,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 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 13.58% | 15.80% | 11.43% | 88th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.87% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.83% | 7.02% | 86th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.44% | 3.70% | 34th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 46.46% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.77% | 1.24% | 16th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 3.18% | 0.68% | under 10th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.22% | 4.92% | 66th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.65% | 75.66% | 62nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$422.8M total assets against $384.3M; $352.5M total shares and deposits against $321.6M; $284.3M total loans against $264.9M.
$66.8M net worth against $58.8M.
15.80% net worth ratio against 15.31%.
80.65% loan-to-share ratio against 82.37%.
3.18% delinquency ratio against 2.23%.
1.87% return on assets against 1.58%; 11.83% return on equity against 10.29%.
3.44% net interest margin against 3.39%.
18,059 members against 17,468.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.80% | 1.87% | 3.18% | 80.65% |
| March 31, 2026 | 15.29% | 1.95% | 2.77% | 77.48% |
| December 31, 2025 | 15.68% | 2.04% | 2.81% | 81.90% |
| September 30, 2025 | 15.60% | 1.91% | 2.89% | 84.33% |
| June 30, 2025 | 15.31% | 1.58% | 2.23% | 82.37% |
| March 31, 2025 | 14.84% | 1.43% | 2.04% | 77.51% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.