Credit Union Safety Analysis
Is Embarrass Vermillion Federal Credit Union Safe? Aurora, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Embarrass Vermillion Federal Credit Union has a net worth ratio of 14.18%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.95%, 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, Embarrass Vermillion Federal Credit Union's net worth ratio is 14.18%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.18%
- Delinquency ratio (60+ days) (Q2 2026): 0.95%
- Return on assets (Q2 2026): 0.98%
- Loan-to-share ratio (Q2 2026): 91.48%
Embarrass Vermillion Federal Credit Union (NCUA charter 4708, established 1941) reported $66.7M in assets and 4,881 members for Q2 2026 from Aurora, Minnesota. It ranks 46 of 79 credit unions in Minnesota by total assets. Total assets grew 2.4% from $65.1M on June 30, 2025. 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.
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: 14.02% for Q1 2026; 15.16% 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: 1.39% for Q1 2026; 1.53% 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: 2.06% for Q1 2026; 1.71% 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: 89.33% for Q1 2026; 91.17% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $25.8M
- Used vehicle loans: $12.9M
- New vehicle loans: $9.0M
- Other unsecured loans and lines of credit: $2.3M
- Unsecured credit card loans: $942K
- Other secured non-real estate loans and lines of credit: $385K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $66.7M | 14.18% | 0.95% | 0.98% | 91.48% |
| March 31, 2026 | $66.3M | 14.02% | 1.39% | 2.06% | 89.33% |
| December 31, 2025 | $66.0M | 15.67% | 1.44% | 0.96% | 91.19% |
| September 30, 2025 | $65.8M | 15.49% | 1.93% | 2.03% | 92.09% |
| June 30, 2025 | $65.1M | 15.16% | 1.53% | 1.71% | 91.17% |
| March 31, 2025 | $64.8M | 14.80% | 1.41% | 1.37% | 87.18% |
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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.
Embarrass Vermillion Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4708) · FFIEC NIC profile (RSSD 132170)
Frequently asked questions
Is Embarrass Vermillion Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Embarrass Vermillion Federal Credit Union's net worth ratio is 14.18%, above the 7% NCUA threshold for well capitalized.
Is Embarrass Vermillion Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Embarrass Vermillion Federal Credit Union is a federally insured credit union (NCUA charter 4708): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Embarrass Vermillion Federal Credit Union's key safety ratios?
For Q2 2026, Embarrass Vermillion Federal Credit Union reports net worth 14.18%, delinquency 0.95%, ROA 0.98%, loan-to-share 91.48%.
What happens to my money if Embarrass Vermillion Federal Credit Union fails?
For Q2 2026, Embarrass Vermillion Federal Credit Union held $56.8M in shares and deposits for 4,881 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.