# MINNESOTA VALLEY
Mankato, MN · NCUA charter 19440 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/minnesota-valley-19440

Who the members are: federal charter, community charter, organized 1934, low-income designated. 18,467 members of 188,373 potential (9.8% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $333.9M |
| Members | 18,467 (1.1% YoY) |
| Full-time staff | 30 |
| Net worth | $36.7M |
| Net worth ratio | 11.0% (p47 of band) |
| ROA (annualized) | 0.84% (p61 of band) |
| Total delinquency | 0.60% (p50 of band) |
| Net charge-offs (annualized) | 0.25% (p35 of band) |
| Loans / shares | 56% (p13 of band) |
| Cash / assets | 27.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.87% (p11 of band) |
| Operating expense / assets | 2.51% (p12 of band) |
| Vehicles % of loans | 36% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 54% (p42 of band) |
| Vehicle delinquency | 0.44% (p39 of band) |
| Vehicle NCO | 0.50% (p42 of band) |
| Repossessed % of vehicle book | 0.10% (p72 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 21% |
| Average share balance | $7,482 |
| Participations bought / yr | $3.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $982,082 |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $21,365 |
| Loans granted, annualized | $40.7M |

## Participation posture (from the same filings)

Bought $3.1M and sold $0 in the latest annualized quarter; $982,082 outstanding purchased (2.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 6.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 2 | delinquency 2x band, delinquency rising | net worth falling, margin squeeze |
| 2021-09 | 0 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-03-26 [Community banks, credit unions weather latest crisis - Mankato Free Press](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOdG9qSV9MSVBFOU1vcFUwY0c5TjJDWjFBY2FMNFFQTkRicDN6MUNkX3lWejZ6aDRHMFF6d0xsRkU3RjQtS0E1U29iRk9FcDZqemw2b1ZBY244dmY1aUJia3JIZkhPb0hwVm5hUTM0Y1Fpc25jUVhSbE5ZemJxMTBNNWVXcUo2MnZlekJJeDZLd3liMFdHMVJjSkFnRlNxSWYwZ3BUc3R6Sk43ajVfVWpKSUJIMm5zUmhtclI0VFM1LTdLbll2VnloeVRxdG1hbnd0MDRsbDFLeDNYLVhicmt2NlhuZjE?oc=5) · Mankato Free Press
- 2017-01-19 [William George Gray Obituary Jan 19, 2017 - Mankato Mortuary](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBLRXJIN2tTT3pKbWphMEV6MUhlNnYzNUtOVnRRSFdHdnh6S0tESHhSUThLdU45M2swZ0xaa2RPYzRRM0QzYkVJWHkyQzFSbmVteUhyMDF2Wkw5c1ZiSEQ4?oc=5) · Mankato Mortuary
- 2021-10-28 [Sneak peek: Here’s what’s happening for Halloween in Southern Minnesota this weekend - Southern Minnesota News](https://news.google.com/rss/articles/CBMivAFBVV95cUxPTzlnelVZNG5BNW9QdWVONlRGbXAwNVNxN2k1R0lCSDdKSmNaaW9BR2U5bnh1d19KejJUZHJRcnFONG1uN2U2RllHM0ZvWVZyRDVxbWRhd3A5cnd2VFRoTTlGdnJKejM3WTE0X2JqNnUyOW5ORTZXajF5VkgwRks3dTVqQ2d4OFI4NHBsS2lfcHRmVDB3eXBGX21odFd1UFplcDU1X0lIdE5Hb21NeTlzMVdnU01zSWxaX0g1UQ?oc=5) · Southern Minnesota News
- 2017-02-17 [Roger L. Nelson Obituary Feb 17, 2017 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBfTlN0SEsyeUdHLTFaRlEtTHRwN3RtZGxrV3poUENNd0t1bHV3bC04Y3UyNG9ZbWVtazJWWXZBWmVxaXFPR19EX25WbHRGdFA1QUU0RndmQUota3ZrUTA5c2NB?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2017-03-05 [Aaron William Olson - Peterson Chapel](https://news.google.com/rss/articles/CBMiX0FVX3lxTE93OWZxUWs2QVg3TEFvSUtCRUI4U01FeXRxc0wxbGtKbzcyTXpQcENQeWQ3bFhKOXRpcHU3UmlJaDAwZzV4ZVlvbjQ2b0hVMGFFblhRSUIxRVBEU3JWNzRR?oc=5) · Peterson Chapel
- 2019-10-15 [Credit Union staff spend day off paying it forward - Mankato Free Press](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPcW95aFVxQkZiN0JZYjNlSUI2QkE5LXJ4eUI2bWdTbktXX3Z0Q2RsX3NqUjloeGtXaGFLZlJ1alZxWGxEeVBEc1ZPdDd4dm1xRWVLVEhxMHBTQzc5RjZGZURuZXM2LW83RTRGRVROd0pSZ2JSN2lIdDdNNFMxa0NrZzFTbVl0b3FzVjAxTU9FaTlsTUYxQlp6WDhDTmJWRklDUkZGaEc5ZGVmWkdLOWtvRk5BcEp6R0QtY2lvMlpXRlZvTHdyVXFwRGhrV0MtVkR3UnB1SllhU3E3RDhpZGdQX0s3UQ?oc=5) · Mankato Free Press
- 2022-10-09 [Jason Adams Ries - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rajluZDFrOHJMdERGMWd3cXY2UlYxY2tMdTlpbUFNTUZXRTR6WXZteHhwR3JsekRwdnBNaWlkOF9aSjFmbGxOU3hxNkZVMkhLNC1rdngxWVB6dVRhSko4REQxMHVfQjNPcjU2MDRpWFo5eks5MWM4WnJ6ZzFyUQ?oc=5) · legacy.com
- 2020-05-26 [William "Bill" B. Montag Obituary May 26, 2020 - Mankato Mortuary](https://news.google.com/rss/articles/CBMib0FVX3lxTE0xbk9LcWhFUDZUbktuVllDS2tDMkZ4VTBqVy1jZktLbUluWnB2VEp2Y3ZRdHBsb1BrYTdJRk8yVkRmVFV5TGVpVDMxQ1gzU19lNWJpTHFER1hsTnRpQndBWmtKekRpekp0RGxBTWJIVQ?oc=5) · Mankato Mortuary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19440 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/48.json (key "19440", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19440
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide