Credit Union Safety Analysis
Is Expedition Credit Union Safe? Mendota Heights, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Expedition Credit Union has a net worth ratio of 9.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.34%, 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, Expedition Credit Union's net worth ratio is 9.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.95%
- Delinquency ratio (60+ days) (Q2 2026): 0.34%
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 59.49%
Expedition Credit Union (NCUA charter 62964, established 1957) reported $223.5M in assets and 14,140 members for Q2 2026 from Mendota Heights, Minnesota. It ranks 27 of 79 credit unions in Minnesota by total assets. Total assets fell 0.5% from $224.6M on June 30, 2025. 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.
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: 9.81% for Q1 2026; 9.91% 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: 0.24% for Q1 2026; 0.24% 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: -0.13% for Q1 2026; -0.33% 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: 57.41% for Q1 2026; 60.80% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $54.2M
- 1- to 4-family residential and other consumer real estate loans: $27.7M
- Used vehicle loans: $24.7M
- New vehicle loans: $6.0M
- Unsecured credit card loans: $2.8M
- Non-federally guaranteed student loans: $2.3M
- Other unsecured loans and lines of credit: $1.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $223.5M | 9.95% | 0.34% | 0.19% | 59.49% |
| March 31, 2026 | $225.6M | 9.81% | 0.24% | -0.13% | 57.41% |
| December 31, 2025 | $220.3M | 10.08% | 0.28% | -0.06% | 60.03% |
| September 30, 2025 | $221.2M | 10.05% | 0.42% | 0.14% | 61.38% |
| June 30, 2025 | $224.6M | 9.91% | 0.24% | -0.33% | 60.80% |
| March 31, 2025 | $231.2M | 9.71% | 0.32% | -0.17% | 57.73% |
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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.
Expedition Credit Union profile
Regulator records: NCUA credit union profile (charter 62964) · FFIEC NIC profile (RSSD 274995)
Frequently asked questions
Is Expedition Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Expedition Credit Union's net worth ratio is 9.95%, above the 7% NCUA threshold for well capitalized.
Is Expedition Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Expedition Credit Union is a federally insured credit union (NCUA charter 62964): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Expedition Credit Union's key safety ratios?
For Q2 2026, Expedition Credit Union reports net worth 9.95%, delinquency 0.34%, ROA 0.19%, loan-to-share 59.49%.
What happens to my money if Expedition Credit Union fails?
For Q2 2026, Expedition Credit Union held $200.8M in shares and deposits for 14,140 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.