Credit Union Safety Analysis
Is Greater Community Credit Union Safe? Dawson, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Greater Community Credit Union has a net worth ratio of 20.72%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, 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, Greater Community Credit Union's net worth ratio is 20.72%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.72%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 1.82%
- Loan-to-share ratio (Q2 2026): 73.61%
Greater Community Credit Union (NCUA charter 61624, established 1961) reported $296.5M in assets and 8,631 members for Q2 2026 from Dawson, Minnesota. It ranks 21 of 79 credit unions in Minnesota by total assets. Total assets grew 6.7% from $277.9M on June 30, 2025. It has 16 more members than on June 30, 2025 (+0.2%). Its net worth ratio was up 0.34 percentage points from 20.38% on June 30, 2025. Commercial loans are its largest loan category, $117.9M of $173.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% 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: 20.39% for Q1 2026; 20.38% 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: 0.55% for Q1 2026; 0.67% 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: 1.50% for Q1 2026; 1.71% 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: 71.06% for Q1 2026; 74.19% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $117.9M
- 1- to 4-family residential and other consumer real estate loans: $22.5M
- Used vehicle loans: $14.3M
- Other secured non-real estate loans and lines of credit: $11.9M
- New vehicle loans: $3.5M
- Other unsecured loans and lines of credit: $1.5M
- Unsecured credit card loans: $820K
- Non-federally guaranteed student loans: $541K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $296.5M | 20.72% | 0.48% | 1.82% | 73.61% |
| March 31, 2026 | $294.7M | 20.39% | 0.55% | 1.50% | 71.06% |
| December 31, 2025 | $284.9M | 20.70% | 0.53% | 1.65% | 75.59% |
| September 30, 2025 | $277.2M | 20.85% | 0.53% | 1.70% | 74.51% |
| June 30, 2025 | $277.9M | 20.38% | 0.67% | 1.71% | 74.19% |
| March 31, 2025 | $285.5M | 19.42% | 0.52% | 1.47% | 70.07% |
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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.
Greater Community Credit Union profile
Regulator records: NCUA credit union profile (charter 61624) · FFIEC NIC profile (RSSD 62398)
Frequently asked questions
Is Greater Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Greater Community Credit Union's net worth ratio is 20.72%, above the 7% NCUA threshold for well capitalized.
Is Greater Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Greater Community Credit Union is a federally insured credit union (NCUA charter 61624): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Greater Community Credit Union's key safety ratios?
For Q2 2026, Greater Community Credit Union reports net worth 20.72%, delinquency 0.48%, ROA 1.82%, loan-to-share 73.61%.
What happens to my money if Greater Community Credit Union fails?
For Q2 2026, Greater Community Credit Union held $235.0M in shares and deposits for 8,631 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.