Credit Union Safety Analysis
Is Ziegler Federal Credit Union Safe? Bloomington, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Ziegler Federal Credit Union has a net worth ratio of 26.88%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.09%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Ziegler Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Ziegler Federal Credit Union's net worth ratio is 26.88%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 26.88%
- Delinquency ratio (60+ days) (Q2 2026): 1.09%
- Return on assets (Q2 2026): 1.36%
- Loan-to-share ratio (Q2 2026): 69.00%
Ziegler Federal Credit Union (NCUA charter 5781, established 1948) reported $4.3M in assets and 671 members for Q2 2026 from Bloomington, Minnesota. It ranks 74 of 79 credit unions in Minnesota by total assets. Total assets fell 0.3% from $4.3M on June 30, 2025. It has 39 fewer members than on June 30, 2025 (-5.5%). Its net worth ratio was up 1.48 percentage points from 25.40% on June 30, 2025. Used vehicle loans are its largest loan category, $1.3M of $2.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.09% 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: 26.90% for Q1 2026; 25.40% 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: 0.63% for Q1 2026; 1.06% 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: 2.08% for Q1 2026; 1.39% 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: 74.57% for Q1 2026; 83.45% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.3M
- New vehicle loans: $440K
- Other secured non-real estate loans and lines of credit: $387K
- Other unsecured loans and lines of credit: $46K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.3M | 26.88% | 1.09% | 1.36% | 69.00% |
| March 31, 2026 | $4.3M | 26.90% | 0.63% | 2.08% | 74.57% |
| December 31, 2025 | $4.4M | 25.76% | 0.62% | 0.56% | 76.98% |
| September 30, 2025 | $4.4M | 25.68% | 1.14% | 1.66% | 81.03% |
| June 30, 2025 | $4.3M | 25.40% | 1.06% | 1.39% | 83.45% |
| March 31, 2025 | $4.4M | 24.49% | 0.50% | 2.48% | 80.91% |
Add this badge to your website
Free to use. It shows Ziegler Federal 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.
Ziegler Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5781) · FFIEC NIC profile (RSSD 635970)
Frequently asked questions
Is Ziegler Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Ziegler Federal Credit Union's net worth ratio is 26.88%, above the 7% NCUA threshold for well capitalized.
Is Ziegler Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Ziegler Federal Credit Union is a federally insured credit union (NCUA charter 5781): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Ziegler Federal Credit Union's key safety ratios?
For Q2 2026, Ziegler Federal Credit Union reports net worth 26.88%, delinquency 1.09%, ROA 1.36%, loan-to-share 69.00%.
What happens to my money if Ziegler Federal Credit Union fails?
For Q2 2026, Ziegler Federal Credit Union held $3.2M in shares and deposits for 671 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.