TellerScore

Brainerd B. N. Credit Union (NCUA charter #60436) is based in Brainerd, Minnesota. Its Q2 2026 call report shows $127.8M in total assets and $113.5M in member shares and deposits and 1 office.

Brainerd B. N. Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 38th. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 4% uninsured); earnings contributes the least (38/100, 0.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.76%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings38/100
Return on assets (annualized): 0.46%
Funding & liquidity100/100
Loans ÷ shares: 56.0% · 4.5% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (75 → 73), mostly because the earnings component weakened by 11 points.

TellerScore
677379Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202467
Q1 202579
Q2 202575
Q3 202575
Q4 202574
Q1 202671
Q2 202673
Net worth ratio
7.00%9.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.83%
Q3 202411.21%
Q4 202411.42%
Q1 202511.30%
Q2 202511.09%
Q3 202510.97%
Q4 202510.98%
Q1 202610.88%
Q2 202610.76%
Delinquent loans (60+ days)
0.04%0.68%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20241.32%
Q4 20241.32%
Q1 20250.04%
Q2 20250.32%
Q3 20250.27%
Q4 20250.39%
Q1 20260.31%
Q2 20260.17%
Return on assets
0.27%0.56%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.83%
Q4 20240.79%
Q1 20250.82%
Q2 20250.73%
Q3 20250.71%
Q4 20250.68%
Q1 20260.27%
Q2 20260.46%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$127.8M10.76%0.17%0.46%56.0%
Q1 202671$124.4M10.88%0.31%0.27%57.1%
Q4 202574$122.6M10.98%0.39%0.68%59.2%
Q3 202575$120.9M10.97%0.27%0.71%59.6%
Q2 202575$117.7M11.09%0.32%0.73%58.4%
Q1 202579$113.8M11.30%0.04%0.82%58.5%
Q4 202467$110.5M11.42%1.32%0.79%60.7%
Q3 202467$111.0M11.21%1.32%0.83%59.9%
Q2 202468$113.0M10.83%1.04%0.86%58.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.76%
40th
Problem loans0.17%
92nd
Net charge-offs0.01%
97th
Return on assets0.46%
27th
Loans to deposits56.0%
83rd
Uninsured deposits4.5%
66th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
64th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Crow Wing Power Credit UnionCredit union Brainerd, MN71 out of 100, Strong$126.3M9.4%0.02%vs
Northern Communities Credit UnionCredit union Duluth, MN52 out of 100, Below average$124.3M10.8%1.92%vs
Two Harbors Federal Credit UnionCredit union Two Harbors, MN84 out of 100, Strong$118.4M14.3%0.07%vs
North Star Credit UnionCredit union Cook, MN72 out of 100, Strong$116.0M9.4%0.00%vs
Northridge Community Credit UnionCredit union Virginia, MN65 out of 100, Moderate$113.0M15.6%4.18%vs
Leading Edge Credit UnionCredit union Worthington, MN54 out of 100, Below average$143.2M8.9%0.96%vs

Deposit insurance

Is my money safe at Brainerd B. N. Credit Union?

Yes. Brainerd B. N. Credit Union is a federally insured credit union (NCUA charter #60436). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.5% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.76%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Brainerd B. N. Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Brainerd B. N. Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60436
RSSD ID
480992
Primary regulator
State + NCUA
Established
1940
Headquarters
804 Laurel St Ste 101, Brainerd, MN 56401
Employees
19

Quick answers

Brainerd B. N. Credit Union: common questions

Is Brainerd B. N. Credit Union NCUA insured?

Yes. Brainerd B. N. Credit Union is a federally insured credit union (NCUA charter #60436). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Brainerd B. N. Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Brainerd B. N. Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brainerd

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank NorthBank Walker, MN85 out of 100, Very strong$864.3M12.1%0.23%vs
Crow Wing Power Credit UnionCredit union Brainerd, MN71 out of 100, Strong$126.3M9.4%0.02%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs
Mid Minnesota Federal Credit UnionCredit union Baxter, MN67 out of 100, Moderate$858.0M9.3%0.43%vs