Leading Edge Credit Union Worthington, Minnesota
Leading Edge Credit Union is a state-chartered credit union headquartered in Worthington, MN, established in 1986 (NCUA charter 66867), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,479 members and total assets of $143.2M (down 1.2% from Q2 2025), the 35th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 8.95% at Q2 2026, in the well capitalized band.
Also written as Leading Edge 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
- 66867
- Headquarters
- Worthington, MN
- Established
- 1986
- Total assets, Q2 2026
- $143.2M
- Assets vs Q2 2025
- -1.2%
- Members, Q2 2026
- 12,479
- Net worth ratio, Q2 2026
- 8.95%
- Latest call report
- Q2 2026, NCUA 5300 · Leading Edge Credit Union call report
- Asset rank in state
- 35th of 79 in Minnesota
- Routing number
- 291281560
- Branches
- 5
It has 862 more members than on June 30, 2025 (+7.4%). Its net worth ratio was up 0.30 percentage points from 8.65% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $53.4M of $113.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 8.95% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Minnesota
Frequently asked about Leading Edge Credit Union
How big is Leading Edge Credit Union?
At Q2 2026 it reported total assets of $143.2M and 12,479 members.
Where is Leading Edge Credit Union headquartered?
It is headquartered in Worthington, MN, United States.
When was Leading Edge Credit Union founded?
It was established in 1986, per NCUA records.
Is Leading Edge Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66867): 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 Leading Edge 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 Leading Edge Credit Union well capitalized?
Its net worth ratio was 8.95% 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 Leading Edge Credit Union's delinquency ratio?
Its delinquency ratio was 0.96% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Leading Edge Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Worthington, MN 56187
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1986
- NCUA Charter #
- 66867
- RSSD ID
- 719599
- Members
- 12,479
- Potential members
- 351,800
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 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 8.95% | 11.43% | 13th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.42% | 0.81% | 24th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.64% | 7.02% | 31st below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.68% | 3.70% | 49th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.43% | 76.55% | 23rd bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.62% | 1.24% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.96% | 0.68% | 34th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.30% | 4.92% | 71st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 87.84% | 75.66% | 78th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$143.2M total assets against $144.9M; $128.7M total shares and deposits against $124.8M; $113.0M total loans against $104.8M.
$12.8M net worth against $12.6M.
8.95% net worth ratio against 8.65%.
87.84% loan-to-share ratio against 83.93%.
0.96% delinquency ratio against 1.30%.
0.42% return on assets against 0.51%; 4.64% return on equity against 5.85%.
3.68% net interest margin against 3.42%.
12,479 members against 11,617.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.95% | 0.42% | 0.96% | 87.84% |
| March 31, 2026 | 8.68% | 0.15% | 0.85% | 80.72% |
| December 31, 2025 | 9.09% | 0.04% | 0.77% | 88.44% |
| September 30, 2025 | 8.93% | 0.45% | 0.96% | 86.12% |
| June 30, 2025 | 8.65% | 0.51% | 1.30% | 83.93% |
| March 31, 2025 | 8.21% | 0.12% | 1.16% | 78.72% |
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.