TellerScore

Mid Minnesota Federal Credit Union is a federal credit union headquartered in Baxter, Minnesota, in business for about 56 years. At the end of Q2 2026 it reported $858.0M in total assets and $766.9M in member shares and deposits, with 6 offices.

Based on its Q2 2026 filing, Mid Minnesota Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 52nd. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (43/100; 9.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.30%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity68/100
Loans ÷ shares: 92.3% · 6.1% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.91%

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 4 points (63 → 67), mostly because the earnings component improved by 17 points.

TellerScore
586367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202459
Q4 202461
Q1 202564
Q2 202563
Q3 202564
Q4 202564
Q1 202667
Q2 202667
Net worth ratio
7.00%8.15%9.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.70%
Q3 20248.78%
Q4 20249.07%
Q1 20259.05%
Q2 20259.13%
Q3 20259.15%
Q4 20259.18%
Q1 20269.25%
Q2 20269.30%
Delinquent loans (60+ days)
0.37%0.48%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.60%
Q4 20240.55%
Q1 20250.37%
Q2 20250.41%
Q3 20250.37%
Q4 20250.41%
Q1 20260.39%
Q2 20260.43%
Return on assets
0.50%0.82%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.52%
Q4 20240.68%
Q1 20250.78%
Q2 20250.73%
Q3 20250.82%
Q4 20250.82%
Q1 20261.10%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$858.0M9.30%0.43%1.15%92.3%
Q1 202667$833.9M9.25%0.39%1.10%91.8%
Q4 202564$815.1M9.18%0.41%0.82%94.1%
Q3 202564$800.7M9.15%0.37%0.82%93.9%
Q2 202563$778.9M9.13%0.41%0.73%92.8%
Q1 202564$771.0M9.05%0.37%0.78%90.8%
Q4 202461$752.6M9.07%0.55%0.68%91.1%
Q3 202459$755.0M8.78%0.60%0.52%88.9%
Q2 202458$749.6M8.70%0.60%0.50%89.4%

1,341 peers · $100 million – $1 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 ratio9.30%
17th
Problem loans0.43%
71st
Net charge-offs0.24%
65th
Return on assets1.15%
75th
Loans to deposits92.3%
13th
Uninsured deposits6.1%
47th
Loan-loss reserves0.00%
50th
Texas ratio4.9%
41st

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Southpoint Financial Credit UnionCredit union Sleepy Eye, MN73 out of 100, Strong$608.9M11.2%0.17%vs
Minnco Credit UnionCredit union Cambridge, MN70 out of 100, Strong$604.7M9.9%0.44%vs
St. Cloud Financial Credit UnionCredit union Sartell, MN57 out of 100, Moderate$456.4M7.2%0.31%vs
Co-Op Credit Union of MontevideoCredit union Montevideo, MN69 out of 100, Moderate$422.8M15.8%3.18%vs
Trustar Federal Credit UnionCredit union International F, MN88 out of 100, Very strong$376.7M15.4%0.36%vs
My Credit UnionCredit union Bloomington, MN51 out of 100, Below average$366.4M9.4%1.23%vs

Deposit insurance

Is my money safe at Mid Minnesota Federal Credit Union?

Yes. Mid Minnesota Federal Credit Union is a federally insured credit union (NCUA charter #20194). 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 6.1% of shares and deposits ($46.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Mid Minnesota Federal Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mid Minnesota Federal Credit Union
Type
Federal credit union
NCUA charter #
20194
RSSD ID
345680
Primary regulator
NCUA
Established
1970
Headquarters
13283 Isle Dr, Baxter, MN 56425
Employees
181

Quick answers

Mid Minnesota Federal Credit Union: common questions

Is Mid Minnesota Federal Credit Union NCUA insured?

Yes. Mid Minnesota Federal Credit Union is a federally insured credit union (NCUA charter #20194). 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 Mid Minnesota Federal Credit Union's TellerScore?

67 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 Mid Minnesota Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Baxter

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank NorthBank Walker, MN85 out of 100, Very strong$864.3M12.1%0.23%vs
Brainerd B. N. Credit UnionCredit union Brainerd, MN73 out of 100, Strong$127.8M10.8%0.17%vs
Frandsen Bank & TrustBank Lonsdale, MN71 out of 100, Strong$3.7B10.0%0.71%vs
Crow Wing Power Credit UnionCredit union Brainerd, MN71 out of 100, Strong$126.3M9.4%0.02%vs
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs