Expedition Credit Union Mendota Heights, Minnesota
Expedition Credit Union is a state-chartered credit union headquartered in Mendota Heights, MN, established in 1957 (NCUA charter 62964), and it is regulated and insured by the NCUA. At Q2 2026 it reported 14,140 members and total assets of $223.5M (down 0.5% from Q2 2025), the 27th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 9.95% at Q2 2026, in the well capitalized band.
Also written as Expedition CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 62964
- Headquarters
- Mendota Heights, MN
- Established
- 1957
- Total assets, Q2 2026
- $223.5M
- Assets vs Q2 2025
- -0.5%
- Members, Q2 2026
- 14,140
- Net worth ratio, Q2 2026
- 9.95%
- Latest call report
- Q2 2026, NCUA 5300 · Expedition Credit Union call report
- Asset rank in state
- 27th of 79 in Minnesota
- Routing number
- 296076084
- Branches
- 4
It has 681 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was up 0.04 percentage points from 9.91% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $54.2M of $119.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.34% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.95% net worth ratio is below that band's 11.43% median.
Frequently asked about Expedition Credit Union
How big is Expedition Credit Union?
At Q2 2026 it reported total assets of $223.5M and 14,140 members.
Where is Expedition Credit Union headquartered?
It is headquartered in Mendota Heights, MN, United States.
When was Expedition Credit Union founded?
It was established in 1957, per NCUA records.
Is Expedition Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 62964): 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 Expedition Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Expedition Credit Union well capitalized?
Its net worth ratio was 9.95% 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 Expedition Credit Union's delinquency ratio?
Its delinquency ratio was 0.34% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Expedition Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 59.49% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mendota Heights, MN 55120
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1957
- NCUA Charter #
- 62964
- RSSD ID
- 274995
- Members
- 14,140
- Potential members
- 70,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.95% | 11.43% | 27th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.19% | 0.81% | 11th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 1.93% | 7.02% | 11th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.32% | 3.70% | 27th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 91.54% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.24% | 1.24% | 50th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.34% | 0.68% | 79th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.56% | 4.92% | 27th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 59.49% | 75.66% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$223.5M total assets against $224.6M; $200.8M total shares and deposits against $202.4M; $119.4M total loans against $123.1M.
$22.2M net worth against $22.3M.
9.95% net worth ratio against 9.91%.
59.49% loan-to-share ratio against 60.80%.
0.34% delinquency ratio against 0.24%.
0.19% return on assets against -0.33%; 1.93% return on equity against -3.32%.
3.32% net interest margin against 2.87%.
14,140 members against 14,821.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.95% | 0.19% | 0.34% | 59.49% |
| March 31, 2026 | 9.81% | -0.13% | 0.24% | 57.41% |
| December 31, 2025 | 10.08% | -0.06% | 0.28% | 60.03% |
| September 30, 2025 | 10.05% | 0.14% | 0.42% | 61.38% |
| June 30, 2025 | 9.91% | -0.33% | 0.24% | 60.80% |
| March 31, 2025 | 9.71% | -0.17% | 0.32% | 57.73% |
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.