Credit Union Safety Analysis
Is Danfoss Employees Credit Union Safe? Eden Prairie, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Danfoss Employees Credit Union has a net worth ratio of 14.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 8.72%, 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, Danfoss Employees Credit Union's net worth ratio is 14.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.55%
- Delinquency ratio (60+ days) (Q2 2026): 8.72%
- Return on assets (Q2 2026): -0.99%
- Loan-to-share ratio (Q2 2026): 97.00%
Danfoss Employees Credit Union (NCUA charter 62950, established 1949) reported $1.9M in assets and 350 members for Q2 2026 from Eden Prairie, Minnesota. It ranks 78 of 79 credit unions in Minnesota by total assets. Total assets fell 13.7% from $2.2M on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was up 1.74 percentage points from 12.81% on June 30, 2025. New vehicle loans are its largest loan category, $612K of $1.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.72% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.83% for Q1 2026; 12.81% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 5.20% for Q1 2026; 5.52% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.05% for Q1 2026; 0.37% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 87.28% for Q1 2026; 109.56% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $612K
- Used vehicle loans: $523K
- Other unsecured loans and lines of credit: $181K
- Other secured non-real estate loans and lines of credit: $134K
- 1- to 4-family residential and other consumer real estate loans: $51K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.9M | 14.55% | 8.72% | -0.99% | 97.00% |
| March 31, 2026 | $2.1M | 12.83% | 5.20% | -1.05% | 87.28% |
| December 31, 2025 | $2.0M | 13.76% | 6.43% | -1.39% | 105.25% |
| September 30, 2025 | $2.2M | 12.97% | 6.42% | 0.68% | 99.16% |
| June 30, 2025 | $2.2M | 12.81% | 5.52% | 0.37% | 109.56% |
| March 31, 2025 | $2.3M | 12.19% | 3.54% | -1.02% | 106.06% |
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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.
Danfoss Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 62950) · FFIEC NIC profile (RSSD 261098)
Frequently asked questions
Is Danfoss Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Danfoss Employees Credit Union's net worth ratio is 14.55%, above the 7% NCUA threshold for well capitalized.
Is Danfoss Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Danfoss Employees Credit Union is a federally insured credit union (NCUA charter 62950): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Danfoss Employees Credit Union's key safety ratios?
For Q2 2026, Danfoss Employees Credit Union reports net worth 14.55%, delinquency 8.72%, ROA -0.99%, loan-to-share 97.00%.
What happens to my money if Danfoss Employees Credit Union fails?
For Q2 2026, Danfoss Employees Credit Union held $1.5M in shares and deposits for 350 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.