Credit Union Safety Analysis
Is Crow Wing Power Credit Union Safe? Brainerd, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Crow Wing Power Credit Union has a net worth ratio of 9.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.02%, 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, Crow Wing Power Credit Union's net worth ratio is 9.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.43%
- Delinquency ratio (60+ days) (Q2 2026): 0.02%
- Return on assets (Q2 2026): 0.75%
- Loan-to-share ratio (Q2 2026): 83.48%
Crow Wing Power Credit Union (NCUA charter 68389, established 1999) reported $126.3M in assets and 4,550 members for Q2 2026 from Brainerd, Minnesota. It ranks 37 of 79 credit unions in Minnesota by total assets. Total assets grew 13.3% from $111.5M on June 30, 2025. It has 55 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was down 0.05 percentage points from 9.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $69.1M of $95.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.02% 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: 9.47% for Q1 2026; 9.48% 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: 0.01% for Q1 2026; 0.04% 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: 1.18% for Q1 2026; 1.24% 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: 83.70% for Q1 2026; 92.07% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $69.1M
- Used vehicle loans: $16.7M
- New vehicle loans: $6.3M
- Other secured non-real estate loans and lines of credit: $2.6M
- Other unsecured loans and lines of credit: $275K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $126.3M | 9.43% | 0.02% | 0.75% | 83.48% |
| March 31, 2026 | $123.2M | 9.47% | 0.01% | 1.18% | 83.70% |
| December 31, 2025 | $116.6M | 9.70% | 0.01% | 1.22% | 88.68% |
| September 30, 2025 | $114.4M | 9.58% | 0.14% | 1.36% | 89.60% |
| June 30, 2025 | $111.5M | 9.48% | 0.04% | 1.24% | 92.07% |
| March 31, 2025 | $114.3M | 8.94% | 0.12% | 0.75% | 84.05% |
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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.
Crow Wing Power Credit Union profile
Regulator records: NCUA credit union profile (charter 68389) · FFIEC NIC profile (RSSD 2765246)
Frequently asked questions
Is Crow Wing Power Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Crow Wing Power Credit Union's net worth ratio is 9.43%, above the 7% NCUA threshold for well capitalized.
Is Crow Wing Power Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Crow Wing Power Credit Union is a federally insured credit union (NCUA charter 68389): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Crow Wing Power Credit Union's key safety ratios?
For Q2 2026, Crow Wing Power Credit Union reports net worth 9.43%, delinquency 0.02%, ROA 0.75%, loan-to-share 83.48%.
What happens to my money if Crow Wing Power Credit Union fails?
For Q2 2026, Crow Wing Power Credit Union held $113.8M in shares and deposits for 4,550 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.