Credit Union Safety Analysis
Is Mini-Cassia Employees Credit Union Safe? Burley, Idaho
Based on its Q2 2026 NCUA 5300 call report, Mini-Cassia Employees Credit Union has a net worth ratio of 15.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.42%, 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, Mini-Cassia Employees Credit Union's net worth ratio is 15.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.43%
- Delinquency ratio (60+ days) (Q2 2026): 2.42%
- Return on assets (Q2 2026): 0.21%
- Loan-to-share ratio (Q2 2026): 87.83%
Mini-Cassia Employees Credit Union (NCUA charter 82527, established 1955) reported $574K in assets and 338 members for Q2 2026 from Burley, Idaho. It ranks 26 of 26 credit unions in Idaho by total assets. Total assets grew 12.4% from $511K on June 30, 2025. It has 1 more member than on June 30, 2025 (+0.3%). Its net worth ratio was down 1.79 percentage points from 17.22% on June 30, 2025. Used vehicle loans are its largest loan category, $213K of $425K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.42% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.61% for Q1 2026; 17.22% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.77% for Q1 2026; 7.26% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.14% for Q1 2026; 0.25% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 84.38% for Q1 2026; 92.74% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $213K
- Other secured non-real estate loans and lines of credit: $183K
- New vehicle loans: $23K
- Other unsecured loans and lines of credit: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $574K | 15.43% | 2.42% | 0.21% | 87.83% |
| March 31, 2026 | $532K | 16.61% | 2.77% | 0.14% | 84.38% |
| December 31, 2025 | $528K | 16.69% | 2.58% | 0.09% | 93.78% |
| September 30, 2025 | $536K | 16.44% | 6.98% | 0.06% | 98.61% |
| June 30, 2025 | $511K | 17.22% | 7.26% | 0.25% | 92.74% |
| March 31, 2025 | $514K | 17.06% | 6.96% | 0.19% | 99.55% |
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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.
Mini-Cassia Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 82527) · FFIEC NIC profile (RSSD 932697)
Frequently asked questions
Is Mini-Cassia Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mini-Cassia Employees Credit Union's net worth ratio is 15.43%, above the 7% NCUA threshold for well capitalized.
Is Mini-Cassia Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mini-Cassia Employees Credit Union is a federally insured credit union (NCUA charter 82527): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mini-Cassia Employees Credit Union's key safety ratios?
For Q2 2026, Mini-Cassia Employees Credit Union reports net worth 15.43%, delinquency 2.42%, ROA 0.21%, loan-to-share 87.83%.
What happens to my money if Mini-Cassia Employees Credit Union fails?
For Q2 2026, Mini-Cassia Employees Credit Union held $483K in shares and deposits for 338 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.