Embarrass Vermillion Federal Credit Union Aurora, Minnesota
Embarrass Vermillion Federal Credit Union is a federal credit union headquartered in Aurora, MN, established in 1941 (NCUA charter 4708), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,881 members and total assets of $66.7M (up 2.4% from Q2 2025), the 46th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 14.18% at Q2 2026, in the well capitalized band.
Also written as Embarrass Vermillion FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4708
- Headquarters
- Aurora, MN
- Established
- 1941
- Total assets, Q2 2026
- $66.7M
- Assets vs Q2 2025
- +2.4%
- Members, Q2 2026
- 4,881
- Net worth ratio, Q2 2026
- 14.18%
- Latest call report
- Q2 2026, NCUA 5300 · Embarrass Vermillion Federal Credit Union call report
- Asset rank in state
- 46th of 79 in Minnesota
- Routing number
- 291273905
- Branches
- 4
It has 48 more members than on June 30, 2025 (+1.0%). Its net worth ratio was down 0.98 percentage points from 15.16% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $25.8M of $51.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.95% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.18% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Minnesota
Credit unions merged into Embarrass Vermillion Federal Credit Union
Frequently asked about Embarrass Vermillion Federal Credit Union
How big is Embarrass Vermillion Federal Credit Union?
At Q2 2026 it reported total assets of $66.7M and 4,881 members.
Where is Embarrass Vermillion Federal Credit Union headquartered?
It is headquartered in Aurora, MN, United States.
When was Embarrass Vermillion Federal Credit Union founded?
It was established in 1941, per NCUA records.
Is Embarrass Vermillion Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4708): 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 Embarrass Vermillion Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Embarrass Vermillion Federal Credit Union well capitalized?
Its net worth ratio was 14.18% 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 Embarrass Vermillion Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.95% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Embarrass Vermillion Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.48% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Aurora, MN 55705
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1941
- NCUA Charter #
- 4708
- RSSD ID
- 132170
- Members
- 4,881
- Potential members
- 45,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.18% | 14.31% | 49th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.98% | 0.72% | 61st above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.88% | 4.74% | 64th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.72% | 3.93% | 79th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 72.88% | 79.83% | 65th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.71% | 0.78% | 54th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.95% | 0.86% | 48th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.42% | 4.70% | 77th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 91.48% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$66.7M total assets against $65.1M; $56.8M total shares and deposits against $54.6M; $51.9M total loans against $49.8M.
$9.5M net worth against $9.9M.
14.18% net worth ratio against 15.16%.
91.48% loan-to-share ratio against 91.17%.
0.95% delinquency ratio against 1.53%.
0.98% return on assets against 1.71%; 6.88% return on equity against 11.29%.
4.72% net interest margin against 4.61%.
4,881 members against 4,833.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.18% | 0.98% | 0.95% | 91.48% |
| March 31, 2026 | 14.02% | 2.06% | 1.39% | 89.33% |
| December 31, 2025 | 15.67% | 0.96% | 1.44% | 91.19% |
| September 30, 2025 | 15.49% | 2.03% | 1.93% | 92.09% |
| June 30, 2025 | 15.16% | 1.71% | 1.53% | 91.17% |
| March 31, 2025 | 14.80% | 1.37% | 1.41% | 87.18% |
Scroll sideways to see every column.
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.