TellerScore

Mower County Employees Credit Union is a federally insured state-chartered credit union headquartered in Austin, Minnesota, in business for about 65 years. At the end of Q2 2026 it reported $13.4M in total assets and $11.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Mower County Employees Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 7th. Its strongest component is earnings (100/100; 3.35%), and its lowest is funding & liquidity (51/100; 109% loans-to-deposits, 1% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.67%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings100/100
Return on assets (annualized): 3.35%
Funding & liquidity51/100
Loans ÷ shares: 108.8% · 1.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.05%

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 (89 → 90).

TellerScore
718190Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202475
Q4 202471
Q1 202576
Q2 202589
Q3 202586
Q4 202572
Q1 202689
Q2 202690
Net worth ratio
7.00%11.37%15.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.60%
Q3 202415.74%
Q4 202414.17%
Q1 202514.60%
Q2 202514.96%
Q3 202514.42%
Q4 202512.95%
Q1 202613.97%
Q2 202614.67%
Delinquent loans (60+ days)
0.02%0.84%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.58%
Q4 20240.66%
Q1 20251.66%
Q2 20250.17%
Q3 20250.02%
Q4 20250.02%
Q1 20260.10%
Q2 20260.17%
Return on assets
0.22%2.97%5.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.44%
Q4 20240.25%
Q1 20252.19%
Q2 20251.73%
Q3 20251.36%
Q4 20250.22%
Q1 20265.71%
Q2 20263.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$13.4M14.67%0.17%3.35%108.8%
Q1 202689$13.9M13.97%0.10%5.71%111.4%
Q4 202572$13.4M12.95%0.02%0.22%111.0%
Q3 202586$12.7M14.42%0.02%1.36%105.6%
Q2 202589$12.1M14.96%0.17%1.73%107.5%
Q1 202576$12.2M14.60%1.66%2.19%105.3%
Q4 202471$12.1M14.17%0.66%0.25%104.1%
Q3 202475$11.7M15.74%0.58%0.44%107.0%
Q2 202477$11.8M15.60%0.57%0.60%101.7%

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).

Capital ratio14.67%
52nd
Problem loans0.17%
75th
Net charge-offs-0.31%
97th
Return on assets3.35%
99th
Loans to deposits108.8%
1st
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio1.0%
65th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Teamsters Credit UnionCredit union Blaine, MN67 out of 100, Moderate$13.5M9.6%0.43%vs
Metropolitan Services Credit UnionCredit union Saint Paul, MN65 out of 100, Moderate$12.3M9.6%0.00%vs
Austin City Employees Credit UnionCredit union Austin, MN97 out of 100, Very strong$11.6M19.1%0.00%vs
Farm Credit Employees Federal Credit UnionCredit union Saint Paul, MN58 out of 100, Moderate$17.3M10.9%0.62%vs
Alexandria Schools Employees Credit UnionCredit union Alexandria, MN55 out of 100, Moderate$9.3M14.9%4.61%vs
First Pace Credit UnionCredit union West St Paul, MN75 out of 100, Strong$8.7M18.9%0.25%vs

Deposit insurance

Is my money safe at Mower County Employees Credit Union?

Yes. Mower County Employees Credit Union is a federally insured credit union (NCUA charter #64518). 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 1.1% of shares and deposits ($125K) 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 14.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Mower County Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mower County Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64518
RSSD ID
1012194
Primary regulator
State + NCUA
Established
1961
Headquarters
900 18th Ave NW, Austin, MN 55912
Employees
3

Quick answers

Mower County Employees Credit Union: common questions

Is Mower County Employees Credit Union NCUA insured?

Yes. Mower County Employees Credit Union is a federally insured credit union (NCUA charter #64518). 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 Mower County Employees Credit Union's TellerScore?

90 out of 100 (Very 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 Mower County Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Austin

InstitutionScoreAssetsCapitalProblem loansCompare
Austin City Employees Credit UnionCredit union Austin, MN97 out of 100, Very strong$11.6M19.1%0.00%vs
Trades & Labor Federal Credit UnionCredit union Albert Lea, MN85 out of 100, Very strong$23.0M15.3%1.04%vs
Commerce BankBank Geneva, MN78 out of 100, Strong$220.0M13.9%0.60%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs
United Farmers State BankBank Adams, MN75 out of 100, Strong$233.8M10.3%0.33%vs
Farmers State BankBank Northwood, IA74 out of 100, Strong$221.4M12.7%0.77%vs