Credit Union Safety Analysis
Is Ideal Credit Union Safe? Woodbury, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Ideal Credit Union has a net worth ratio of 10.82%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, 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, Ideal Credit Union's net worth ratio is 10.82%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.82%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 0.56%
- Loan-to-share ratio (Q2 2026): 99.49%
Ideal Credit Union (NCUA charter 62978, established 1926) reported $1.07B in assets and 48,045 members for Q2 2026 from Woodbury, Minnesota. It ranks 9 of 79 credit unions in Minnesota by total assets. Total assets fell 1.6% from $1.09B on June 30, 2025. It has 1,336 fewer members than on June 30, 2025 (-2.7%). Its net worth ratio was up 0.35 percentage points from 10.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $414.6M of $890.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.51% for Q1 2026; 10.47% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.80% for Q1 2026; 0.68% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.55% for Q1 2026; 0.50% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 95.90% for Q1 2026; 96.28% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $414.6M
- Other secured non-real estate loans and lines of credit: $239.8M
- Used vehicle loans: $124.9M
- Commercial loans: $53.4M
- New vehicle loans: $22.2M
- Other unsecured loans and lines of credit: $18.1M
- Unsecured credit card loans: $17.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.07B | 10.82% | 0.79% | 0.56% | 99.49% |
| March 31, 2026 | $1.09B | 10.51% | 0.80% | 0.55% | 95.90% |
| December 31, 2025 | $1.08B | 10.43% | 0.91% | 0.18% | 98.02% |
| September 30, 2025 | $1.09B | 10.56% | 0.70% | 0.31% | 95.70% |
| June 30, 2025 | $1.09B | 10.47% | 0.68% | 0.50% | 96.28% |
| March 31, 2025 | $1.06B | 10.69% | 0.62% | 0.27% | 96.07% |
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Free to use. It shows Ideal Credit Union’s latest filed figures and updates each quarter.
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.
Regulator records: NCUA credit union profile (charter 62978) · FFIEC NIC profile (RSSD 68297)
Frequently asked questions
Is Ideal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ideal Credit Union's net worth ratio is 10.82%, above the 7% NCUA threshold for well capitalized.
Is Ideal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ideal Credit Union is a federally insured credit union (NCUA charter 62978): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ideal Credit Union's key safety ratios?
For Q2 2026, Ideal Credit Union reports net worth 10.82%, delinquency 0.79%, ROA 0.56%, loan-to-share 99.49%.
What happens to my money if Ideal Credit Union fails?
For Q2 2026, Ideal Credit Union held $894.8M in shares and deposits for 48,045 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.