Minnesota Catholic Credit Union Little Canada, Minnesota
Minnesota Catholic Credit Union is a state-chartered credit union headquartered in Little Canada, MN, established in 1946 (NCUA charter 63977), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,047 members and total assets of $38.6M (down 0.3% from Q2 2025), the 56th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 12.62% at Q2 2026, in the well capitalized band.
Also written as Minnesota Catholic 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
- 63977
- Headquarters
- Little Canada, MN
- Established
- 1946
- Total assets, Q2 2026
- $38.6M
- Assets vs Q2 2025
- -0.3%
- Members, Q2 2026
- 3,047
- Net worth ratio, Q2 2026
- 12.62%
- Latest call report
- Q2 2026, NCUA 5300 · Minnesota Catholic Credit Union call report
- Asset rank in state
- 56th of 79 in Minnesota
- Routing number
- 296076233
- Branches
- 3
It has 1 fewer member than on June 30, 2025. Its net worth ratio was up 1.03 percentage points from 11.59% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.6M of $24.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.43% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.62% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Minnesota
Frequently asked about Minnesota Catholic Credit Union
How big is Minnesota Catholic Credit Union?
At Q2 2026 it reported total assets of $38.6M and 3,047 members.
Where is Minnesota Catholic Credit Union headquartered?
It is headquartered in Little Canada, MN, United States.
When was Minnesota Catholic Credit Union founded?
It was established in 1946, per NCUA records.
Is Minnesota Catholic Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63977): 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 Minnesota Catholic 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 Minnesota Catholic Credit Union well capitalized?
Its net worth ratio was 12.62% 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 Minnesota Catholic Credit Union's delinquency ratio?
Its delinquency ratio was 0.43% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Minnesota Catholic Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.78% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Little Canada, MN 55117
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1946
- NCUA Charter #
- 63977
- RSSD ID
- 55091
- Members
- 3,047
- Potential members
- 150,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.62% | 14.31% | 37th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.88% | 0.72% | 57th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.99% | 4.74% | 64th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.81% | 3.93% | 81st top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.85% | 79.83% | 46th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.42% | 0.78% | 72nd above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.43% | 0.86% | 71st above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.23% | 4.70% | 71st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 72.78% | 58.92% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$38.6M total assets against $38.7M; $33.8M total shares and deposits against $34.7M; $24.6M total loans against $25.3M.
$4.9M net worth against $4.5M.
12.62% net worth ratio against 11.59%.
72.78% loan-to-share ratio against 72.96%.
0.43% delinquency ratio against 0.13%.
0.88% return on assets against 1.15%; 6.99% return on equity against 9.90%.
4.81% net interest margin against 5.05%.
3,047 members against 3,048.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.62% | 0.88% | 0.43% | 72.78% |
| March 31, 2026 | 12.56% | 1.00% | 0.08% | 72.03% |
| December 31, 2025 | 12.45% | 0.69% | 0.17% | 72.41% |
| September 30, 2025 | 12.23% | 1.47% | 0.15% | 72.94% |
| June 30, 2025 | 11.59% | 1.15% | 0.13% | 72.96% |
| March 31, 2025 | 11.40% | 0.97% | 0.12% | 74.33% |
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.