Credit Union Safety Analysis
Is Minnesota Catholic Credit Union Safe? Little Canada, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Minnesota Catholic Credit Union has a net worth ratio of 12.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.43%, 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, Minnesota Catholic Credit Union's net worth ratio is 12.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.43%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 72.78%
Minnesota Catholic Credit Union (NCUA charter 63977, established 1946) reported $38.6M in assets and 3,047 members for Q2 2026 from Little Canada, Minnesota. It ranks 56 of 79 credit unions in Minnesota by total assets. Total assets fell 0.3% from $38.7M on June 30, 2025. 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.
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: 12.56% for Q1 2026; 11.59% 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: 0.08% for Q1 2026; 0.13% 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: 1.00% for Q1 2026; 1.15% 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: 72.03% for Q1 2026; 72.96% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $11.6M
- New vehicle loans: $5.5M
- Used vehicle loans: $4.6M
- Other secured non-real estate loans and lines of credit: $1.4M
- Commercial loans: $663K
- Unsecured credit card loans: $618K
- Other unsecured loans and lines of credit: $290K
- Non-federally guaranteed student loans: $17K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $38.6M | 12.62% | 0.43% | 0.88% | 72.78% |
| March 31, 2026 | $38.1M | 12.56% | 0.08% | 1.00% | 72.03% |
| December 31, 2025 | $37.6M | 12.45% | 0.17% | 0.69% | 72.41% |
| September 30, 2025 | $37.8M | 12.23% | 0.15% | 1.47% | 72.94% |
| June 30, 2025 | $38.7M | 11.59% | 0.13% | 1.15% | 72.96% |
| March 31, 2025 | $38.3M | 11.40% | 0.12% | 0.97% | 74.33% |
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Free to use. It shows Minnesota Catholic 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.
Minnesota Catholic Credit Union profile
Regulator records: NCUA credit union profile (charter 63977) · FFIEC NIC profile (RSSD 55091)
Frequently asked questions
Is Minnesota Catholic Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Minnesota Catholic Credit Union's net worth ratio is 12.62%, above the 7% NCUA threshold for well capitalized.
Is Minnesota Catholic Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Minnesota Catholic Credit Union is a federally insured credit union (NCUA charter 63977): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Minnesota Catholic Credit Union's key safety ratios?
For Q2 2026, Minnesota Catholic Credit Union reports net worth 12.62%, delinquency 0.43%, ROA 0.88%, loan-to-share 72.78%.
What happens to my money if Minnesota Catholic Credit Union fails?
For Q2 2026, Minnesota Catholic Credit Union held $33.8M in shares and deposits for 3,047 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.