City & County Credit Union is a federally insured state-chartered credit union headquartered in Saint Paul, Minnesota, in business for about 98 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in member shares and deposits, with 12 offices across 4 states.
Based on its Q2 2026 filing, City & County Credit Union scores 76/100, which we describe as strong. That is higher than 79% of 454 credit unions with $1 billion – $10 billion. Among 80 credit unions headquartered in Minnesota, it ranks 27th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is earnings (45/100; 0.63%).
TellerScore · Q2 2026
Scorecard
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 rose 3 points (73 → 76), mostly because the earnings component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 70 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 76 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.99% |
| Q3 2024 | 11.05% |
| Q4 2024 | 11.17% |
| Q1 2025 | 10.81% |
| Q2 2025 | 11.71% |
| Q3 2025 | 11.72% |
| Q4 2025 | 11.79% |
| Q1 2026 | 11.82% |
| Q2 2026 | 12.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.34% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $1.2B | 12.08% | 0.32% | 0.63% | 68.8% |
| Q1 2026 | 76 | $1.2B | 11.82% | 0.29% | 0.65% | 65.9% |
| Q4 2025 | 74 | $1.2B | 11.79% | 0.31% | 0.44% | 66.8% |
| Q3 2025 | 74 | $1.2B | 11.72% | 0.28% | 0.44% | 66.4% |
| Q2 2025 | 73 | $1.2B | 11.71% | 0.26% | 0.38% | 66.8% |
| Q1 2025 | 70 | $1.2B | 10.81% | 0.27% | 0.29% | 65.1% |
| Q4 2024 | 71 | $1.2B | 11.17% | 0.31% | 0.27% | 68.1% |
| Q3 2024 | 71 | $1.2B | 11.05% | 0.36% | 0.43% | 69.5% |
| Q2 2024 | 71 | $1.2B | 10.99% | 0.25% | 0.34% | 70.5% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members CooperativeCredit union Duluth, MN | 59 out of 100, Moderate | $1.2B | 10.8% | 1.49% | vs |
| Topline Financial Credit UnionCredit union Maple Grove, MN | 61 out of 100, Moderate | $1.1B | 10.2% | 0.86% | vs |
| Ideal Credit UnionCredit union Woodbury, MN | 62 out of 100, Moderate | $1.1B | 10.8% | 0.79% | vs |
| Mayo Employees Federal Credit UnionCredit union Rochester, MN | 98 out of 100, Very strong | $1.5B | 14.9% | 0.05% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |
| Blaze Credit UnionCredit union Falcon Heights, MN | 61 out of 100, Moderate | $4.8B | 8.8% | 1.02% | vs |
Deposit insurance
Is my money safe at City & County Credit Union?
Yes. City & County Credit Union is a federally insured credit union (NCUA charter #60255). 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 6.7% of shares and deposits ($69.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
12 locations
Branches
City & County Credit Union lists 12 offices in 11 cities across 4 states. Most locations:
- Golden Valley, MN (2)
- Brooklyn Park, MN (1)
- Cedar Rapids, IA (1)
- Eagan, MN (1)
- Hannibal, MO (1)
- Lake Elmo, MN (1)
- Maplewood, MN (1)
- Minnetonka, MN (1)
- Murfreesboro, TN (1)
- Saint Paul, MN (1)
- Woodbury, MN (1)
HMDA 2025
Mortgage lending
In 2025, City & County Credit Union reported 0 home-loan applications under HMDA (LEI S945OOSMOMUFHOUZXT46): 0 originated ($0 total), 0 denied, and 0 withdrawn or closed by the applicant.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- City & County Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 60255
- RSSD ID
- 632492
- Primary regulator
- State + NCUA
- Established
- 1928
- Headquarters
- 144 11th St E, Saint Paul, MN 55101
- Employees
- 162
Quick answers
City & County Credit Union: common questions
Is City & County Credit Union NCUA insured?
Yes. City & County Credit Union is a federally insured credit union (NCUA charter #60255). 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 City & County Credit Union's TellerScore?
76 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 City & County Credit Union have?
12 offices as of the latest NCUA data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Saint Paul
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Toro Employees Federal Credit UnionCredit union Bloomington, MN | 84 out of 100, Strong | $41.5M | 14.5% | 0.56% | vs |