Credit Union Safety Analysis
Is Members Cooperative Credit Union Safe? Duluth, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Members Cooperative Credit Union has a net worth ratio of 10.80%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.49%, 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, Members Cooperative Credit Union's net worth ratio is 10.80%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.80%
- Delinquency ratio (60+ days) (Q2 2026): 1.49%
- Return on assets (Q2 2026): 1.47%
- Loan-to-share ratio (Q2 2026): 97.84%
Members Cooperative Credit Union (NCUA charter 60216, established 1936) reported $1.16B in assets and 60,378 members for Q2 2026 from Duluth, Minnesota. It ranks 7 of 79 credit unions in Minnesota by total assets. Total assets grew 0.8% from $1.15B on June 30, 2025. It has 2,749 more members than on June 30, 2025 (+4.8%). Its net worth ratio was up 0.81 percentage points from 9.99% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $387.1M of $947.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.49% 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: 10.17% for Q1 2026; 9.99% 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: 1.33% for Q1 2026; 1.36% 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: 0.63% for Q1 2026; 0.30% 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: 95.58% for Q1 2026; 99.71% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $387.1M
- Commercial loans: $203.1M
- Other secured non-real estate loans and lines of credit: $177.7M
- Used vehicle loans: $129.8M
- New vehicle loans: $32.9M
- Other unsecured loans and lines of credit: $17.1M
- Unsecured credit card loans: $5K
- Non-federally guaranteed student loans: $770
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.16B | 10.80% | 1.49% | 1.47% | 97.84% |
| March 31, 2026 | $1.19B | 10.17% | 1.33% | 0.63% | 95.58% |
| December 31, 2025 | $1.17B | 10.19% | 1.56% | 0.61% | 97.05% |
| September 30, 2025 | $1.16B | 10.13% | 1.53% | 0.88% | 99.26% |
| June 30, 2025 | $1.15B | 9.99% | 1.36% | 0.30% | 99.71% |
| March 31, 2025 | $1.15B | 9.92% | 1.34% | 0.49% | 99.07% |
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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.
Members Cooperative Credit Union profile
Regulator records: NCUA credit union profile (charter 60216) · FFIEC NIC profile (RSSD 505792)
Frequently asked questions
Is Members Cooperative Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Members Cooperative Credit Union's net worth ratio is 10.80%, above the 7% NCUA threshold for well capitalized.
Is Members Cooperative Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Members Cooperative Credit Union is a federally insured credit union (NCUA charter 60216): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Members Cooperative Credit Union's key safety ratios?
For Q2 2026, Members Cooperative Credit Union reports net worth 10.80%, delinquency 1.49%, ROA 1.47%, loan-to-share 97.84%.
What happens to my money if Members Cooperative Credit Union fails?
For Q2 2026, Members Cooperative Credit Union held $968.7M in shares and deposits for 60,378 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.