Headquartered in Red Lake Falls, Minnesota, Red Lake Co Op Federal Credit Union is a federal credit union with $7.0M in total assets and $6.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1949.
Red Lake Co Op Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 34th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (20/100, 0.01%).
TellerScore · Q2 2026
Scorecard
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 fell 8 points (82 → 74), mostly because the earnings component weakened by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 83 |
| Q4 2024 | 84 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 80 |
| Q4 2025 | 79 |
| Q1 2026 | 77 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.52% |
| Q3 2024 | 13.00% |
| Q4 2024 | 13.56% |
| Q1 2025 | 13.10% |
| Q2 2025 | 13.17% |
| Q3 2025 | 13.26% |
| Q4 2025 | 13.00% |
| Q1 2026 | 12.93% |
| Q2 2026 | 12.88% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.48% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.05% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.55% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $7.0M | 12.88% | 0.00% | 0.01% | 81.8% |
| Q1 2026 | 77 | $7.0M | 12.93% | 0.00% | 0.15% | 75.3% |
| Q4 2025 | 79 | $6.9M | 13.00% | 0.00% | 0.50% | 77.5% |
| Q3 2025 | 80 | $6.7M | 13.26% | 0.05% | 0.52% | 77.9% |
| Q2 2025 | 82 | $6.7M | 13.17% | 0.00% | 0.55% | 69.7% |
| Q1 2025 | 82 | $6.7M | 13.10% | 0.00% | 0.66% | 71.1% |
| Q4 2024 | 84 | $6.4M | 13.56% | 0.00% | 0.83% | 73.5% |
| Q3 2024 | 83 | $6.6M | 13.00% | 0.00% | 0.84% | 69.6% |
| Q2 2024 | 78 | $6.6M | 12.52% | 0.48% | 0.74% | 64.3% |
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).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mower County Catholic Parishes Credit UnionCredit union Austin, MN | 65 out of 100, Moderate | $6.7M | 19.0% | 2.72% | vs |
| Duluth Fire Department Credit UnionCredit union Duluth, MN | 85 out of 100, Very strong | $7.5M | 17.8% | 0.31% | vs |
| Duluth Police Department Employees Credit UnionCredit union Duluth, MN | 91 out of 100, Very strong | $7.8M | 22.8% | 0.41% | vs |
| Riverview Credit UnionCredit union South Saint Pau, MN | 81 out of 100, Strong | $7.9M | 16.4% | 0.00% | vs |
| Latvian Credit UnionCredit union Minneapolis, MN | 62 out of 100, Moderate | $5.8M | 11.0% | 0.85% | vs |
| Electric Machinery Employees Credit UnionCredit union Minneapolis, MN | 71 out of 100, Strong | $8.4M | 24.6% | 1.20% | vs |
Deposit insurance
Is my money safe at Red Lake Co Op Federal Credit Union?
Yes. Red Lake Co Op Federal Credit Union is a federally insured credit union (NCUA charter #6144). 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 0.0% of shares and deposits ($0) 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 12.88%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Red Lake Co Op Federal Credit Union lists 1 office in 1 city. Most locations:
- Red Lake Falls, MN (1)
Identity & history
Profile
- Legal name
- Red Lake Co Op Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6144
- RSSD ID
- 699084
- Primary regulator
- NCUA
- Established
- 1949
- Headquarters
- PO Box 154, Red Lake Falls, MN 56750
- Employees
- 4
Quick answers
Red Lake Co Op Federal Credit Union: common questions
Is Red Lake Co Op Federal Credit Union NCUA insured?
Yes. Red Lake Co Op Federal Credit Union is a federally insured credit union (NCUA charter #6144). 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 Red Lake Co Op Federal Credit Union's TellerScore?
74 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 Red Lake Co Op Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Red Lake Falls
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American State Bank of GryglaBank Grygla, MN | 83 out of 100, Strong | $81.8M | 10.8% | 0.00% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| United Valley BankBank Cavalier, ND | 72 out of 100, Strong | $751.6M | 10.5% | 0.13% | vs |
| First Community Credit UnionCredit union Jamestown, ND | 71 out of 100, Strong | $1.5B | 12.3% | 0.61% | vs |
| Northern State Bank of Thief River FallsBank Thief River Falls, MN | 67 out of 100, Moderate | $550.0M | 9.9% | 0.57% | vs |
| American Federal BankBank Fargo, ND | 66 out of 100, Moderate | $795.8M | 9.3% | 0.00% | vs |