TellerScore

Headquartered in Aurora, Minnesota, Embarrass Vermillion Federal Credit Union is a federal credit union with $66.7M in total assets and $56.8M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1941.

Embarrass Vermillion Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 22nd. Capital cushion contributes the most (92/100, 14.18%); loan quality contributes the least (68/100, 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.18%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings81/100
Return on assets (annualized): 1.51%
Funding & liquidity69/100
Loans ÷ shares: 91.5% · 1.5% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.23%

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 2 points (78 → 80), mostly because the loan quality component improved by 19 points.

TellerScore
758085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202482
Q4 202483
Q1 202577
Q2 202578
Q3 202575
Q4 202578
Q1 202680
Q2 202680
Net worth ratio
7.00%11.34%15.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.22%
Q3 202415.13%
Q4 202415.47%
Q1 202514.80%
Q2 202515.16%
Q3 202515.49%
Q4 202515.67%
Q1 202614.02%
Q2 202614.18%
Delinquent loans (60+ days)
0.95%1.44%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.12%
Q3 20241.43%
Q4 20241.29%
Q1 20251.41%
Q2 20251.53%
Q3 20251.93%
Q4 20251.44%
Q1 20261.39%
Q2 20260.95%
Return on assets
1.37%1.75%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.11%
Q3 20242.13%
Q4 20242.05%
Q1 20251.37%
Q2 20251.54%
Q3 20251.69%
Q4 20251.50%
Q1 20262.06%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$66.7M14.18%0.95%1.51%91.5%
Q1 202680$66.3M14.02%1.39%2.06%89.3%
Q4 202578$66.0M15.67%1.44%1.50%91.2%
Q3 202575$65.8M15.49%1.93%1.69%92.1%
Q2 202578$65.1M15.16%1.53%1.54%91.2%
Q1 202577$64.8M14.80%1.41%1.37%87.2%
Q4 202483$60.6M15.47%1.29%2.05%91.5%
Q3 202482$60.1M15.13%1.43%2.13%91.0%
Q2 202485$57.4M15.22%1.12%2.11%92.2%

2,479 peers · Under $100 million in assets

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 ratio14.18%
49th
Problem loans0.95%
41st
Net charge-offs0.22%
45th
Return on assets1.51%
85th
Loans to deposits91.5%
7th
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio5.2%
28th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Federated Employees Credit UnionCredit union Owatonna, MN82 out of 100, Strong$66.7M13.2%0.19%vs
United Employees Credit UnionCredit union Albert Lea, MN87 out of 100, Very strong$66.4M14.2%0.80%vs
Ely Area Credit UnionCredit union Ely, MN99 out of 100, Very strong$74.3M17.0%0.14%vs
Share Advantage Credit UnionCredit union Duluth, MN58 out of 100, Moderate$57.5M13.4%2.77%vs
Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN83 out of 100, Strong$51.6M13.4%1.07%vs
North Memorial Federal Credit UnionCredit union Robbinsdale, MN75 out of 100, Strong$50.7M11.8%0.68%vs

Deposit insurance

Is my money safe at Embarrass Vermillion Federal Credit Union?

Yes. Embarrass Vermillion Federal Credit Union is a federally insured credit union (NCUA charter #4708). 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 1.5% of shares and deposits ($869K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Embarrass Vermillion Federal Credit Union lists 3 offices in 3 cities. Most locations:

  • Embarrass, MN (1)
  • Nett Lake, MN (1)
  • Tower, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Embarrass Vermillion Federal Credit Union
Type
Federal credit union
NCUA charter #
4708
RSSD ID
132170
Primary regulator
NCUA
Established
1941
Headquarters
600 W 3rd Ave N, Aurora, MN 55705
Employees
18

Quick answers

Embarrass Vermillion Federal Credit Union: common questions

Is Embarrass Vermillion Federal Credit Union NCUA insured?

Yes. Embarrass Vermillion Federal Credit Union is a federally insured credit union (NCUA charter #4708). 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 Embarrass Vermillion Federal Credit Union's TellerScore?

80 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 Embarrass Vermillion Federal Credit Union have?

3 offices as of the latest NCUA data.