First Pace Credit Union (NCUA charter #64089) is based in West St Paul, Minnesota. Its Q2 2026 call report shows $8.7M in total assets and $7.0M in member shares and deposits and 2 offices.
First Pace Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 32nd. Capital cushion contributes the most (100/100, 18.92%); earnings contributes the least (0/100, -0.84%).
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 5 points (70 → 75), mostly because the loan quality component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 73 |
| Q4 2024 | 69 |
| Q1 2025 | 70 |
| Q2 2025 | 70 |
| Q3 2025 | 72 |
| Q4 2025 | 77 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.22% |
| Q3 2024 | 18.40% |
| Q4 2024 | 19.18% |
| Q1 2025 | 18.67% |
| Q2 2025 | 18.88% |
| Q3 2025 | 18.60% |
| Q4 2025 | 18.62% |
| Q1 2026 | 18.79% |
| Q2 2026 | 18.92% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.02% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.96% |
| Q1 2025 | 0.92% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.25% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.25% |
| Q3 2024 | -1.45% |
| Q4 2024 | -0.59% |
| Q1 2025 | -0.40% |
| Q2 2025 | -0.86% |
| Q3 2025 | -0.86% |
| Q4 2025 | -0.95% |
| Q1 2026 | -0.66% |
| Q2 2026 | -0.84% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $8.7M | 18.92% | 0.25% | -0.84% | 76.6% |
| Q1 2026 | 77 | $8.8M | 18.79% | 0.00% | -0.66% | 79.0% |
| Q4 2025 | 77 | $9.0M | 18.62% | 0.00% | -0.95% | 78.1% |
| Q3 2025 | 72 | $9.2M | 18.60% | 0.69% | -0.86% | 72.1% |
| Q2 2025 | 70 | $9.1M | 18.88% | 0.91% | -0.86% | 76.4% |
| Q1 2025 | 70 | $9.4M | 18.67% | 0.92% | -0.40% | 74.4% |
| Q4 2024 | 69 | $9.2M | 19.18% | 0.96% | -0.59% | 76.7% |
| Q3 2024 | 73 | $9.3M | 18.40% | 0.58% | -1.45% | 72.7% |
| Q2 2024 | 77 | $9.6M | 18.22% | 0.02% | -1.25% | 76.3% |
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).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Electric Machinery Employees Credit UnionCredit union Minneapolis, MN | 71 out of 100, Strong | $8.4M | 24.6% | 1.20% | vs |
| Alexandria Schools Employees Credit UnionCredit union Alexandria, MN | 55 out of 100, Moderate | $9.3M | 14.9% | 4.61% | vs |
| Riverview Credit UnionCredit union South Saint Pau, MN | 81 out of 100, Strong | $7.9M | 16.4% | 0.00% | vs |
| Duluth Police Department Employees Credit UnionCredit union Duluth, MN | 91 out of 100, Very strong | $7.8M | 22.8% | 0.41% | vs |
| Duluth Fire Department Credit UnionCredit union Duluth, MN | 85 out of 100, Very strong | $7.5M | 17.8% | 0.31% | vs |
| Red Lake Co Op Federal Credit UnionCredit union Red Lake Falls, MN | 74 out of 100, Strong | $7.0M | 12.9% | 0.00% | vs |
Deposit insurance
Is my money safe at First Pace Credit Union?
Yes. First Pace Credit Union is a federally insured credit union (NCUA charter #64089). 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 2.5% of shares and deposits ($175K) 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 18.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
First Pace Credit Union lists 2 offices in 2 cities. Most locations:
- Inver Grove Heights, MN (1)
- West St Paul, MN (1)
Identity & history
Profile
- Legal name
- First Pace Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64089
- RSSD ID
- 372293
- Primary regulator
- State + NCUA
- Established
- 1963
- Headquarters
- 161 Marie Ave E, West St Paul, MN 55118
- Employees
- 3
Quick answers
First Pace Credit Union: common questions
Is First Pace Credit Union NCUA insured?
Yes. First Pace Credit Union is a federally insured credit union (NCUA charter #64089). 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 First Pace Credit Union's TellerScore?
75 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 First Pace Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near West St Paul
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Castle Rock BankBank Castle Rock, MN | 93 out of 100, Very strong | $293.5M | 14.2% | 0.01% | vs |
| 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 |