Credit Union Safety Analysis
Is NSP Credit Union Safe? Maplewood, Minnesota
Based on its Q2 2026 NCUA 5300 call report, NSP Credit Union has a net worth ratio of 20.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.22%, 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, NSP Credit Union's net worth ratio is 20.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.93%
- Delinquency ratio (60+ days) (Q2 2026): 1.22%
- Return on assets (Q2 2026): -0.30%
- Loan-to-share ratio (Q2 2026): 76.08%
NSP Credit Union (NCUA charter 62733, established 1933) reported $35.1M in assets and 2,666 members for Q2 2026 from Maplewood, Minnesota. It ranks 57 of 79 credit unions in Minnesota by total assets. Total assets fell 6.7% from $37.6M on June 30, 2025. It has 89 fewer members than on June 30, 2025 (-3.2%). Its net worth ratio was up 1.11 percentage points from 19.82% on June 30, 2025. Used vehicle loans are its largest loan category, $6.1M of $20.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.22% 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: 20.36% for Q1 2026; 19.82% 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: 0.83% for Q1 2026; 1.67% 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: -0.79% for Q1 2026; -1.30% 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: 73.61% for Q1 2026; 67.85% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.1M
- 1- to 4-family residential and other consumer real estate loans: $5.1M
- New vehicle loans: $4.0M
- Other secured non-real estate loans and lines of credit: $2.2M
- Unsecured credit card loans: $1.8M
- Other unsecured loans and lines of credit: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $35.1M | 20.93% | 1.22% | -0.30% | 76.08% |
| March 31, 2026 | $36.2M | 20.36% | 0.83% | -0.79% | 73.61% |
| December 31, 2025 | $36.3M | 20.48% | 0.19% | -0.38% | 74.12% |
| September 30, 2025 | $36.3M | 20.61% | 0.38% | 0.26% | 71.64% |
| June 30, 2025 | $37.6M | 19.82% | 1.67% | -1.30% | 67.85% |
| March 31, 2025 | $38.6M | 19.63% | 0.62% | -1.00% | 67.74% |
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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.
Regulator records: NCUA credit union profile (charter 62733) · FFIEC NIC profile (RSSD 749194)
Frequently asked questions
Is NSP Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, NSP Credit Union's net worth ratio is 20.93%, above the 7% NCUA threshold for well capitalized.
Is NSP Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. NSP Credit Union is a federally insured credit union (NCUA charter 62733): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are NSP Credit Union's key safety ratios?
For Q2 2026, NSP Credit Union reports net worth 20.93%, delinquency 1.22%, ROA -0.30%, loan-to-share 76.08%.
What happens to my money if NSP Credit Union fails?
For Q2 2026, NSP Credit Union held $27.1M in shares and deposits for 2,666 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.