TellerScore

Headquartered in Duluth, Minnesota, Members Cooperative is a federally insured state-chartered credit union with $1.2B in total assets and $968.7M in member shares and deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1936.

Members Cooperative has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 454 credit unions with $1 billion – $10 billion. Among 80 credit unions headquartered in Minnesota, it ranks 70th. Problem-loan coverage contributes the most (75/100, 12.5%); loan quality contributes the least (50/100, 1.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.80%
Loan quality50/100
Loans 60+ days delinquent ÷ total loans: 1.49%
Earnings62/100
Return on assets (annualized): 1.06%
Funding & liquidity62/100
Loans ÷ shares: 97.8% · 8.3% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.55%

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 6 points (53 → 59), mostly because the earnings component improved by 26 points.

TellerScore
485459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202449
Q4 202448
Q1 202553
Q2 202553
Q3 202552
Q4 202553
Q1 202656
Q2 202659
Net worth ratio
7.00%8.90%10.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.69%
Q3 20249.79%
Q4 20249.82%
Q1 20259.92%
Q2 20259.99%
Q3 202510.13%
Q4 202510.19%
Q1 202610.17%
Q2 202610.80%
Delinquent loans (60+ days)
1.33%1.56%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.37%
Q3 20241.61%
Q4 20241.80%
Q1 20251.34%
Q2 20251.36%
Q3 20251.53%
Q4 20251.56%
Q1 20261.33%
Q2 20261.49%
Return on assets
0.29%0.67%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.39%
Q4 20240.40%
Q1 20250.49%
Q2 20250.39%
Q3 20250.55%
Q4 20250.56%
Q1 20260.63%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.2B10.80%1.49%1.06%97.8%
Q1 202656$1.2B10.17%1.33%0.63%95.6%
Q4 202553$1.2B10.19%1.56%0.56%97.1%
Q3 202552$1.2B10.13%1.53%0.55%99.3%
Q2 202553$1.2B9.99%1.36%0.39%99.7%
Q1 202553$1.2B9.92%1.34%0.49%99.1%
Q4 202448$1.2B9.82%1.80%0.40%98.9%
Q3 202449$1.1B9.79%1.61%0.39%99.0%
Q2 202450$1.1B9.69%1.37%0.29%100.0%

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 ratio10.80%
47th
Problem loans1.49%
10th
Net charge-offs0.39%
67th
Return on assets1.06%
71st
Loans to deposits97.8%
20th
Uninsured deposits8.3%
58th
Loan-loss reserves0.00%
50th
Texas ratio12.5%
8th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
City & County Credit UnionCredit union Saint Paul, MN76 out of 100, Strong$1.2B12.1%0.32%vs
Topline Financial Credit UnionCredit union Maple Grove, MN61 out of 100, Moderate$1.1B10.2%0.86%vs
Ideal Credit UnionCredit union Woodbury, MN62 out of 100, Moderate$1.1B10.8%0.79%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 Members Cooperative?

Yes. Members Cooperative is a federally insured credit union (NCUA charter #60216). 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 8.3% of shares and deposits ($80.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.80%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Members Cooperative lists 12 offices in 10 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Members Cooperative
Type
Federally insured state-chartered credit union
NCUA charter #
60216
RSSD ID
505792
Primary regulator
State + NCUA
Established
1936
Headquarters
215 N 40th Ave W, Duluth, MN 55807
Employees
207

Quick answers

Members Cooperative: common questions

Is Members Cooperative NCUA insured?

Yes. Members Cooperative is a federally insured credit union (NCUA charter #60216). 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 Members Cooperative's TellerScore?

59 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 Members Cooperative have?

12 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Duluth

InstitutionScoreAssetsCapitalProblem loansCompare
Duluth Police Department Employees Credit UnionCredit union Duluth, MN91 out of 100, Very strong$7.8M22.8%0.41%vs
Indianhead Credit UnionCredit union Spooner, WI86 out of 100, Very strong$101.2M15.0%0.78%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
Superior Municipal Employees Credit UnionCredit union Superior, WI79 out of 100, Strong$3.0M16.5%0.00%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs
Superior Savings BankBank Superior, WI74 out of 100, Strong$98.8M16.3%1.15%vs