TellerScore

Headquartered in Woodbury, Minnesota, Ideal Credit Union is a federally insured state-chartered credit union with $1.1B in total assets and $894.8M in member shares and deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1926.

Based on its Q2 2026 filing, Ideal Credit Union scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 80 credit unions headquartered in Minnesota, it ranks 63rd. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (42/100; 0.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.82%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.79%
Earnings42/100
Return on assets (annualized): 0.56%
Funding & liquidity61/100
Loans ÷ shares: 99.5% · 3.9% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.51%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).

TellerScore
586062Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202459
Q4 202458
Q1 202562
Q2 202561
Q3 202561
Q4 202558
Q1 202661
Q2 202662
Net worth ratio
7.00%8.96%10.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.81%
Q3 202410.91%
Q4 202410.71%
Q1 202510.69%
Q2 202510.47%
Q3 202510.56%
Q4 202510.43%
Q1 202610.51%
Q2 202610.82%
Delinquent loans (60+ days)
0.62%0.90%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.17%
Q3 20241.03%
Q4 20240.95%
Q1 20250.62%
Q2 20250.68%
Q3 20250.70%
Q4 20250.91%
Q1 20260.80%
Q2 20260.79%
Return on assets
0.27%0.41%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.48%
Q3 20240.46%
Q4 20240.32%
Q1 20250.27%
Q2 20250.38%
Q3 20250.35%
Q4 20250.31%
Q1 20260.55%
Q2 20260.56%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.1B10.82%0.79%0.56%99.5%
Q1 202661$1.1B10.51%0.80%0.55%95.9%
Q4 202558$1.1B10.43%0.91%0.31%98.0%
Q3 202561$1.1B10.56%0.70%0.35%95.7%
Q2 202561$1.1B10.47%0.68%0.38%96.3%
Q1 202562$1.1B10.69%0.62%0.27%96.1%
Q4 202458$1.0B10.71%0.95%0.32%99.4%
Q3 202459$1.0B10.91%1.03%0.46%98.7%
Q2 202458$1.0B10.81%1.17%0.48%97.8%

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).

Capital ratio10.82%
48th
Problem loans0.79%
42nd
Net charge-offs0.60%
39th
Return on assets0.56%
27th
Loans to deposits99.5%
16th
Uninsured deposits3.9%
93rd
Loan-loss reserves0.00%
50th
Texas ratio6.5%
32nd

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Topline Financial Credit UnionCredit union Maple Grove, MN61 out of 100, Moderate$1.1B10.2%0.86%vs
Members CooperativeCredit union Duluth, MN59 out of 100, Moderate$1.2B10.8%1.49%vs
City & County Credit UnionCredit union Saint Paul, MN76 out of 100, Strong$1.2B12.1%0.32%vs
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Magnifi Financial Credit UnionCredit union Melrose, MN68 out of 100, Moderate$2.8B11.0%0.21%vs
Blaze Credit UnionCredit union Falcon Heights, MN61 out of 100, Moderate$4.8B8.8%1.02%vs

Deposit insurance

Is my money safe at Ideal Credit Union?

Yes. Ideal Credit Union is a federally insured credit union (NCUA charter #62978). 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 3.9% of shares and deposits ($35.0M) 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 10.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Ideal Credit Union lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ideal Credit Union reported 1,087 home-loan applications under HMDA (LEI 549300QRWA4IGMDEDT70): 676 originated ($94,240,000 total), 239 denied, and 64 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.4%, compared with 22.2% for all lenders nationwide.

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
Ideal Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62978
RSSD ID
68297
Primary regulator
State + NCUA
Established
1926
Headquarters
8499 Tamarack Rd, Woodbury, MN 55125
Employees
161

Quick answers

Ideal Credit Union: common questions

Is Ideal Credit Union NCUA insured?

Yes. Ideal Credit Union is a federally insured credit union (NCUA charter #62978). 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 Ideal Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Ideal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Woodbury

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs