Credit Union Safety Analysis
Is Co-Op Credit Union of Montevideo Safe? Montevideo, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Co-Op Credit Union of Montevideo has a net worth ratio of 15.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.18%, 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, Co-Op Credit Union of Montevideo's net worth ratio is 15.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.80%
- Delinquency ratio (60+ days) (Q2 2026): 3.18%
- Return on assets (Q2 2026): 1.87%
- Loan-to-share ratio (Q2 2026): 80.65%
Co-Op Credit Union of Montevideo (NCUA charter 62419, established 1940) reported $422.8M in assets and 18,059 members for Q2 2026 from Montevideo, Minnesota. It ranks 14 of 79 credit unions in Minnesota by total assets. Total assets grew 10.0% from $384.3M on June 30, 2025. 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.
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: 15.29% for Q1 2026; 15.31% 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: 2.77% for Q1 2026; 2.23% 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: 1.95% for Q1 2026; 1.58% 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: 77.48% for Q1 2026; 82.37% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $142.1M
- 1- to 4-family residential and other consumer real estate loans: $80.4M
- Used vehicle loans: $31.3M
- Other secured non-real estate loans and lines of credit: $18.9M
- New vehicle loans: $9.2M
- Other unsecured loans and lines of credit: $1.3M
- Unsecured credit card loans: $1.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $422.8M | 15.80% | 3.18% | 1.87% | 80.65% |
| March 31, 2026 | $423.8M | 15.29% | 2.77% | 1.95% | 77.48% |
| December 31, 2025 | $400.1M | 15.68% | 2.81% | 2.04% | 81.90% |
| September 30, 2025 | $389.1M | 15.60% | 2.89% | 1.91% | 84.33% |
| June 30, 2025 | $384.3M | 15.31% | 2.23% | 1.58% | 82.37% |
| March 31, 2025 | $386.4M | 14.84% | 2.04% | 1.43% | 77.51% |
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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.
Co-Op Credit Union of Montevideo profile
Regulator records: NCUA credit union profile (charter 62419) · FFIEC NIC profile (RSSD 638391)
Frequently asked questions
Is Co-Op Credit Union of Montevideo well capitalized?
On its Q2 2026 NCUA 5300 call report, Co-Op Credit Union of Montevideo's net worth ratio is 15.80%, above the 7% NCUA threshold for well capitalized.
Is Co-Op Credit Union of Montevideo FDIC insured?
No. The FDIC insures banks, not credit unions. Co-Op Credit Union of Montevideo is a federally insured credit union (NCUA charter 62419): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Co-Op Credit Union of Montevideo's key safety ratios?
For Q2 2026, Co-Op Credit Union of Montevideo reports net worth 15.80%, delinquency 3.18%, ROA 1.87%, loan-to-share 80.65%.
What happens to my money if Co-Op Credit Union of Montevideo fails?
For Q2 2026, Co-Op Credit Union of Montevideo held $352.5M in shares and deposits for 18,059 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.