# MINNCO
Cambridge, MN · NCUA charter 63639 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/minnco-63639

Who the members are: state charter, organized 1935. 37,039 members of 2,974,828 potential (1.3% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 148.

**Verdict on the desk:** this could be *ordinary*. 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 | $612.4M |
| Members | 37,039 (1.5% YoY) |
| Full-time staff | 106 |
| Net worth | $58.3M |
| Net worth ratio | 9.5% (p32 of band) |
| ROA (annualized) | 0.57% (p45 of band) |
| Total delinquency | 0.54% (p45 of band) |
| Net charge-offs (annualized) | 0.53% (p60 of band) |
| Loans / shares | 66% (p17 of band) |
| Cash / assets | 9.3% |
| Borrowings / assets | 4.08% |
| Net interest margin | 3.10% (p26 of band) |
| Operating expense / assets | 3.27% (p33 of band) |
| Vehicles % of loans | 29% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 14% |
| Third-party paper % of net worth | 34% (p33 of band) |
| Vehicle delinquency | 0.41% (p35 of band) |
| Vehicle NCO | 1.38% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 41% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 19% |
| Average share balance | $6,734 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $80.8M |
| Loans outstanding per 100 members | 148% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $6,382 |
| Loans granted, annualized | $87.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $80.8M outstanding purchased (138.7% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 4.2% 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 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 2 |  | net worth falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | thin capital |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, thin capital, margin squeeze |
| 2021-09 | 1 | thin capital | 3rd-party paper>100% NW |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 0 |  | net worth falling |

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

- 2024-02-08 [Wendland promoted to Executive Vice President/General Counsel - isanti-chisagocountystar.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPU0tJb0UyeVlyM2hDMWNwRU42YnJ3dnJwdEpPQ2lsMlRPUmZHX2VRSXNyc3YzWUsxSkdSdjZXb01qa0V1dmdiQUVXYXN4TWp2Rmo0UngtbGdqaVYzVjNPUXkwSlAwV3B1QkZhZk03UGRVdi1UUHRzOGJLN0xJT2xFZ2xlVUpsQzk0ZVhTbllXNHZUa25jTzFoS01NcWZTcDM3bUYzWGIxSmwwdWVFZ3NfVDdYSXpDVUI0enFTVHpmQUlvcUJUWGRMU2JNOGlRdHhrOUlmVk12eHJzTDYxSGdGVmN4dzNnMXM0ODBVazd3?oc=5) · isanti-chisagocountystar.com
- 2022-03-01 [Minnco Credit Union is happy to announce the hiring of Brian Anderson as Vice President, Business Banking - CUInsight](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOZ1dTMk00YmRxenVHNkF4QjNPOWJuNnREdHVIaTlMRzFld2ZEbFoyUWRtYlo2c3loQmdncjc5Z2VWYUJBS0pVejZXWWluRzk2U1JUUW9ITmsxdXlwRlhLMjZVN3czdFN3SXA4X3FmR2pZVzdsMG4tT3E2SzJDOF9XNTBMLUZKTGtZU3VzTE1SYl9fNXF5a1FsWEVXX3VrTlp2a0NxSlVfenE5TFBRQjh4eXVya09DVXJxR29jekx5dy0xRFhoeDJqREF2OWxQSUdMOUZWd0tkVDQ5ejdzbEE?oc=5) · CUInsight
- 2016-04-16 [Minnco Credit Union appoints new CEO - hometownsource.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPcXdRRkhSSjZ3N3pYekxVZTFNNnd0ZERzdnRJZTQ3aUtkazl4Qm5GZ184SWppY0hISk9nVjdRaDVCbXliMm5jM2NEZ1h0Mng0bi1PM0MtUDM3UkY5SXZ2WTJlQXJQa3o5X1ZrY2NnUXM1a19DN1BUYkd5YWxGNV9Zc1NFTXRJakZYbG1GbUt5ODVSYnhoa2tCaDh0XzEwTEhDLUk4QlVGVmdzQ2tGMjBhczI1TVh3WXRrSWc1b2gtZ3NpaDlfa05NQlQ3M2JoMUZ1azREWFMxTWpaVFBCb05JMFFkMk8?oc=5) · hometownsource.com
- 2011-08-12 [Minnco Credit Union hosted annual Sizzlin' Summer Celebration - presspubs.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPVzEyWWN0WTZPN0tULXZDNEVMRmtIaDg2MG91NnR1VHh4cC1wS182cGtKREk1ekFJclBjbnl5UlZtWHljRG9YX1UwYS1MN2V0dUlaYUFRR08zR3JZOFA5dDBtYUwzWDF3ZmZyWXZiOVJtZDZaN3J3c19OeVF1eXdWSmh1Z2ZwMnFSazl1QzJrN1dMLW00N1FobTRUZnc4cW0xUGxTZE9WNmlJdTI5THVGSnItVml1YXJGVEZQbmh5Wk81V1dDSkEyaDFSZl84NG9HR2c?oc=5) · presspubs.com
- 2023-04-29 [Obituary for Mary Theresa (Vollrath) Rausch - Peterson Grimsmo Funeral Chapel](https://news.google.com/rss/articles/CBMia0FVX3lxTFBsVHZZZ19IVWZuUVI1b0J5YmxpMkJHOEo4RXpkM2ljejlUTnNDc0FJUEVldVFIZ2hsLXprNV8zQkNuRTRmMUxoVlVMOUwtUmdjaGV0LXhwbEwtSm8wOXRZYzRYWWpjWUNlRWl3?oc=5) · Peterson Grimsmo Funeral Chapel
- 2025-12-13 [John Gregory Eichten, MD Obituary - The Desert Sun](https://news.google.com/rss/articles/CBMiXEFVX3lxTFAydnJTVzEzZXBUdXZEelRfb1daTVVRN09YTkRCZDFlRFJHc0NWd0w1dDUyOUNGN1FRQUd0R0VKN2Z4clgwdklnN1VuQjhyMDVmbWdpNHN0U2p4NTV1?oc=5) · The Desert Sun
- 2018-04-27 [Minnco Foundation awards first MoneySmarts scholarship - hometownsource.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQeU9nNUdIQmtXNUF5b2FHSmVRV0hPLS16MjVPODZkcGxFa0ROY0NXYm1yXzJZQjhSczZkc2V0RGNiYURqTnNsRWM4TGhIakJUYWhsYUQyNTdoVHJuZVBLdTlyS2xSSHBFQTU1QmNPZEpxQzFld0VKSnhlcDRZVXlUajVJbUJySVBwWmJwWDJGWFF1QXBoZzVwSlpvTG1MQ3ZIZktRcjZKN0J1SU9rbGdaMmxaSWh0cG1zM3BpZ1hYS3JUY1hRTHN6TzdLdURwRmpoYlNreklFWmJtYS1UQUlkMHhKbkZPWlBPWjVuT1NTbU1rT2l4VUQ0?oc=5) · hometownsource.com
- 2023-07-28 [Karen Strom Obituary (2023) - Mora, MN - Hamilton Funeral Homes-Rock Chapel in Braham - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1vckgxdkVtVmRLOFJoclBVa0ZXMnk5Z2d1YkxnU2JCNmtiRFJrZU9aa1g5SldQRzhUaTBVSDVJbE1UX3lXTnc0blpDS2ZXVmlVeXY0RFRIcUZjWktGSWplYjJ5ZnRHUEEtVTk0Y1RUNF9WMGR0UlRpTjJDYnAwbVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63639 (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/23.json (key "63639", 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=63639
- 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