Credit Union Safety Analysis
Is Mower County Employees Credit Union Safe? Austin, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Mower County Employees Credit Union has a net worth ratio of 14.67%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.17%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Mower County Employees Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Mower County Employees Credit Union's net worth ratio is 14.67%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.67%
- Delinquency ratio (60+ days) (Q2 2026): 0.17%
- Return on assets (Q2 2026): 0.77%
- Loan-to-share ratio (Q2 2026): 108.78%
Mower County Employees Credit Union (NCUA charter 64518, established 1961) reported $13.4M in assets and 814 members for Q2 2026 from Austin, Minnesota. It ranks 62 of 79 credit unions in Minnesota by total assets. Total assets grew 10.3% from $12.1M on June 30, 2025. It has 22 more members than on June 30, 2025 (+2.8%). Its net worth ratio was down 0.29 percentage points from 14.96% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.8M of $12.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.17% 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: 13.97% for Q1 2026; 14.96% 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: 0.10% for Q1 2026; 0.17% 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: 5.71% for Q1 2026; 1.26% 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: 111.41% for Q1 2026; 107.55% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.8M
- Used vehicle loans: $3.3M
- New vehicle loans: $1.6M
- Other secured non-real estate loans and lines of credit: $1.6M
- Other unsecured loans and lines of credit: $917K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $13.4M | 14.67% | 0.17% | 0.77% | 108.78% |
| March 31, 2026 | $13.9M | 13.97% | 0.10% | 5.71% | 111.41% |
| December 31, 2025 | $13.4M | 12.95% | 0.02% | -2.97% | 111.04% |
| September 30, 2025 | $12.7M | 14.42% | 0.02% | 0.77% | 105.58% |
| June 30, 2025 | $12.1M | 14.96% | 0.17% | 1.26% | 107.55% |
| March 31, 2025 | $12.2M | 14.60% | 1.66% | 2.19% | 105.35% |
Add this badge to your website
Free to use. It shows Mower County Employees 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.
Mower County Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 64518) · FFIEC NIC profile (RSSD 1012194)
Frequently asked questions
Is Mower County Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Mower County Employees Credit Union's net worth ratio is 14.67%, above the 7% NCUA threshold for well capitalized.
Is Mower County Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Mower County Employees Credit Union is a federally insured credit union (NCUA charter 64518): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Mower County Employees Credit Union's key safety ratios?
For Q2 2026, Mower County Employees Credit Union reports net worth 14.67%, delinquency 0.17%, ROA 0.77%, loan-to-share 108.78%.
What happens to my money if Mower County Employees Credit Union fails?
For Q2 2026, Mower County Employees Credit Union held $11.2M in shares and deposits for 814 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.