Minnesota Valley Federal Credit Union Mankato, Minnesota
Minnesota Valley Federal Credit Union is a federal credit union headquartered in Mankato, MN, established in 1969 (NCUA charter 19440), and it is regulated and insured by the NCUA. At Q2 2026 it reported 18,446 members and total assets of $329.0M (up 4.4% from Q2 2025), the 20th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 11.48% at Q2 2026, in the well capitalized band.
Also written as Minnesota Valley FCU · Trade names filed with the NCUA: MN Valley FCU and MVFCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 19440
- Headquarters
- Mankato, MN
- Established
- 1969
- Total assets, Q2 2026
- $329.0M
- Assets vs Q2 2025
- +4.4%
- Members, Q2 2026
- 18,446
- Net worth ratio, Q2 2026
- 11.48%
- Latest call report
- Q2 2026, NCUA 5300 · Minnesota Valley Federal Credit Union call report
- Asset rank in state
- 20th of 79 in Minnesota
- Routing number
- 291981255
- Branches
- 3
It has 140 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.65 percentage points from 10.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $93.2M of $168.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.56% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.48% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Minnesota
Credit unions merged into Minnesota Valley Federal Credit Union
Frequently asked about Minnesota Valley Federal Credit Union
How big is Minnesota Valley Federal Credit Union?
At Q2 2026 it reported total assets of $329.0M and 18,446 members.
Where is Minnesota Valley Federal Credit Union headquartered?
It is headquartered in Mankato, MN, United States.
When was Minnesota Valley Federal Credit Union founded?
It was established in 1969, per NCUA records.
Is Minnesota Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 19440): 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 Valley Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Minnesota Valley Federal Credit Union well capitalized?
Its net worth ratio was 11.48% 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 Valley Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.56% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Minnesota Valley Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 58.09% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mankato, MN 56001
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1969
- NCUA Charter #
- 19440
- RSSD ID
- 350488
- Members
- 18,446
- Potential members
- 188,373
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 3 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.48% | 11.43% | 51st above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.28% | 0.81% | 76th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.12% | 7.02% | 82nd top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.97% | 3.70% | 12th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 64.35% | 76.55% | 83rd top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.57% | 1.24% | 25th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.56% | 0.68% | 61st above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.53% | 4.92% | 25th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 58.09% | 75.66% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$329.0M total assets against $315.0M; $289.7M total shares and deposits against $279.3M; $168.3M total loans against $160.3M.
$37.8M net worth against $34.1M.
11.48% net worth ratio against 10.83%.
58.09% loan-to-share ratio against 57.39%.
0.56% delinquency ratio against 0.53%.
1.28% return on assets against 0.84%; 11.12% return on equity against 7.72%.
2.97% net interest margin against 2.76%.
18,446 members against 18,306.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.48% | 1.28% | 0.56% | 58.09% |
| March 31, 2026 | 10.99% | 0.84% | 0.60% | 55.87% |
| December 31, 2025 | 11.27% | 1.26% | 0.73% | 57.65% |
| September 30, 2025 | 11.21% | 1.13% | 0.57% | 58.54% |
| June 30, 2025 | 10.83% | 0.84% | 0.53% | 57.39% |
| March 31, 2025 | 10.70% | 0.71% | 0.45% | 55.72% |
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.