TellerScore

Minnesota Valley Federal Credit Union is a federal credit union headquartered in Mankato, Minnesota, in business for about 92 years. At the end of Q2 2026 it reported $329.0M in total assets and $289.7M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Minnesota Valley Federal Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 26th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 5% uninsured), and its lowest is earnings (63/100; 1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.48%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings63/100
Return on assets (annualized): 1.06%
Funding & liquidity100/100
Loans ÷ shares: 58.1% · 4.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.49%

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 (73 → 77), mostly because the earnings component improved by 12 points.

TellerScore
717477Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202473
Q1 202573
Q2 202573
Q3 202575
Q4 202574
Q1 202673
Q2 202677
Net worth ratio
7.00%9.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.93%
Q3 202411.02%
Q4 202410.98%
Q1 202510.70%
Q2 202510.83%
Q3 202511.21%
Q4 202511.27%
Q1 202610.99%
Q2 202611.48%
Delinquent loans (60+ days)
0.45%0.62%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.78%
Q4 20240.57%
Q1 20250.45%
Q2 20250.53%
Q3 20250.57%
Q4 20250.73%
Q1 20260.60%
Q2 20260.56%
Return on assets
0.71%0.89%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.80%
Q4 20240.83%
Q1 20250.71%
Q2 20250.77%
Q3 20250.89%
Q4 20250.97%
Q1 20260.84%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$329.0M11.48%0.56%1.06%58.1%
Q1 202673$333.9M10.99%0.60%0.84%55.9%
Q4 202574$319.6M11.27%0.73%0.97%57.6%
Q3 202575$312.1M11.21%0.57%0.89%58.5%
Q2 202573$315.0M10.83%0.53%0.77%57.4%
Q1 202573$312.6M10.70%0.45%0.71%55.7%
Q4 202473$299.7M10.98%0.57%0.83%57.5%
Q3 202471$291.7M11.02%0.78%0.80%58.4%
Q2 202473$289.1M10.93%0.61%0.83%57.5%

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 ratio11.48%
51st
Problem loans0.56%
60th
Net charge-offs0.11%
84th
Return on assets1.06%
70th
Loans to deposits58.1%
80th
Uninsured deposits4.6%
64th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
First Alliance Credit UnionCredit union Rochester, MN67 out of 100, Moderate$358.5M9.9%1.19%vs
Sharepoint Credit UnionCredit union Bloomington, MN68 out of 100, Moderate$360.1M11.8%1.02%vs
Greater Community Credit UnionCredit union Dawson, MN91 out of 100, Very strong$296.5M20.7%0.48%vs
Home Town Federal Credit UnionCredit union Owatonna, MN72 out of 100, Strong$293.3M10.6%0.58%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 Minnesota Valley Federal Credit Union?

Yes. Minnesota Valley Federal Credit Union is a federally insured credit union (NCUA charter #19440). 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 4.6% of shares and deposits ($13.4M) 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 11.48%, 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

Minnesota Valley Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Minnesota Valley Federal Credit Union reported 104 home-loan applications under HMDA (LEI 254900M984EPKRAPEO90): 91 originated ($19,065,000 total), 5 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, 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
Minnesota Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
19440
RSSD ID
350488
Primary regulator
NCUA
Established
1934
Headquarters
PO Box 4399, Mankato, MN 56002
Employees
35

Quick answers

Minnesota Valley Federal Credit Union: common questions

Is Minnesota Valley Federal Credit Union NCUA insured?

Yes. Minnesota Valley Federal Credit Union is a federally insured credit union (NCUA charter #19440). 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 Minnesota Valley Federal Credit Union's TellerScore?

77 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 Minnesota Valley Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mankato

InstitutionScoreAssetsCapitalProblem loansCompare
St. Clair State Bank (Incorporated)Bank Saint Clair, MN85 out of 100, Very strong$134.4M11.1%0.03%vs
Janesville State BankBank Janesville, MN81 out of 100, Strong$98.8M11.4%0.00%vs
Elysian BankBank Elysian, MN79 out of 100, Strong$76.0M12.2%0.74%vs
First State Bank of Le CenterBank Le Center, MN76 out of 100, Strong$110.4M11.1%0.81%vs
Cornerstone State BankBank Montgomery, MN74 out of 100, Strong$247.0M10.6%0.80%vs
Southpoint Financial Credit UnionCredit union Sleepy Eye, MN73 out of 100, Strong$608.9M11.2%0.17%vs