credit union · NCUA 62978 · MN
How big is IDEAL?
IDEAL (MN, NCUA charter 62978) reported total assets of $1.1B, 48,045 members and a net worth ratio of 10.82% in its Call Report for 2026Q2. That ranks 455 of 4,299 federally insured credit unions by assets, 430 of 454 among credit unions with $1b-$10b in assets, 9 of 80 credit unions in minnesota.
What stands out
IDEAL (MN, NCUA charter 62978) reported total assets of $1.1B, 48,045 members and a net worth ratio of 10.82% in its Call Report for 2026Q2. That ranks 455 of 4,299 federally insured credit unions by assets, 430 of 454 among credit unions with $1b-$10b in assets, 9 of 80 credit unions in minnesota. Against its size class: net worth ratio 10.82%, below the peer median of 10.89%; loan-to-share ratio 99.49%, above the peer median of 88.03%; return on assets 0.56%, below the peer median of 0.80%. At 10.82% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.1B | $2.1B | $117.2M | $68.3M | record → |
| Shares and deposits | $894.8M | $1.8B | $102.2M | $58.3M | record → |
| Loans outstanding | $890.3M | $1.5B | $84.3M | $34.4M | record → |
| Net income (year to date) | $3.0M | $8.3M | $350.3k | $222.2k | record → |
| Net worth | $115.6M | $244.6M | $13.1M | $9.0M | record → |
| Net worth ratio | 10.82% | 10.89% | 12.56% | 12.65% | record → |
| Loan-to-share ratio | 99.49% | 88.03% | 77.94% | 68.70% | computed |
| Return on assets | 0.56% | 0.80% | 0.86% | 0.71% | computed |
| Members | 48,045 | 115,183 | 5,954 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $1.1B | $894.8M | $890.3M | $3.0M | 10.82% | 48,045 | 455 |
| 2026Q1 | $1.1B | $915.8M | $878.3M | $1.5M | 10.51% | 48,369 | 449 |
| 2025Q4 | $1.1B | $905.2M | $887.2M | $3.3M | 10.43% | 48,681 | 443 |
| 2025Q3 | $1.1B | $914.3M | $874.9M | $2.9M | 10.56% | 49,087 | 433 |
| 2025Q2 | $1.1B | $904.2M | $870.5M | $2.0M | 10.47% | 49,381 | 430 |
| 2025Q1 | $1.1B | $878.3M | $843.8M | $709.6k | 10.69% | 49,221 | 436 |
| 2024Q4 | $1.0B | $854.1M | $849.3M | $3.3M | 10.71% | 49,379 | 437 |
| 2024Q3 | $1.0B | $852.0M | $840.8M | $3.5M | 10.91% | 49,942 | 434 |
| 2024Q2 | $1.0B | $841.1M | $822.6M | $2.4M | 10.81% | 50,149 | 438 |
| 2024Q1 | $1.0B | $863.7M | $816.4M | $1.4M | 10.72% | 50,210 | 431 |
| 2023Q4 | $1.0B | $848.9M | $821.7M | $5.5M | 10.71% | 50,295 | 430 |
| 2023Q3 | $1.0B | $839.5M | $821.5M | $4.9M | 10.88% | 50,647 | 427 |
| 2023Q2 | $997.7M | $834.9M | $821.0M | $3.3M | 10.70% | 50,792 | 430 |
| 2023Q1 | $1.0B | $851.8M | $817.5M | $1.7M | 10.56% | 51,289 | 427 |
| 2022Q4 | $988.5M | $829.0M | $810.0M | $7.0M | 10.57% | 52,151 | 429 |
| 2022Q3 | $985.7M | $828.6M | $794.7M | $5.7M | 10.58% | 51,993 | 428 |
| 2022Q2 | $972.2M | $819.6M | $803.4M | $3.5M | 10.54% | 51,824 | 430 |
| 2022Q1 | $950.0M | $799.1M | $745.5M | $1.9M | 10.58% | 50,822 | 442 |
| 2021Q4 | $932.2M | $780.0M | $743.1M | $7.1M | 10.52% | 51,096 | 437 |
| 2021Q3 | $916.6M | $762.6M | $737.3M | $5.8M | 10.60% | 51,332 | 440 |
| 2021Q2 | $900.0M | $748.6M | $724.5M | $4.5M | 10.71% | 51,700 | 440 |
| 2021Q1 | $895.5M | $746.2M | $688.1M | $1.6M | 10.61% | 51,308 | 438 |
| 2020Q4 | $858.5M | $709.2M | $675.4M | $6.1M | 10.75% | 51,214 | 429 |
| 2020Q3 | $828.6M | $674.3M | $658.5M | $4.5M | 10.88% | 51,267 | 434 |
| 2020Q2 | $823.3M | $669.0M | $629.8M | $2.2M | 10.82% | 50,256 | 429 |
| 2020Q1 | $791.2M | $630.7M | $594.6M | $1.2M | 10.92% | 49,509 | 417 |
| 2019Q4 | $763.1M | $607.1M | $594.4M | $5.0M | 10.98% | 49,196 | 419 |
| 2019Q3 | $759.8M | $600.9M | $602.1M | $4.5M | 10.99% | 51,553 | 412 |
| 2019Q2 | $756.0M | $597.5M | $583.0M | $3.3M | 10.94% | 52,514 | 413 |
| 2019Q1 | $754.8M | $599.2M | $564.5M | $2.2M | 10.91% | 53,254 | 412 |
| 2018Q4 | $732.0M | $581.3M | $570.2M | $5.2M | 10.78% | 52,929 | 411 |
| 2018Q3 | $730.1M | $576.4M | $573.4M | $5.1M | 10.87% | 52,768 | 408 |
| 2018Q2 | $722.2M | $572.0M | $568.5M | $3.4M | 10.80% | 52,692 | 415 |
| 2018Q1 | $708.7M | $565.8M | $552.6M | $1.8M | 10.84% | 51,903 | 417 |
| 2017Q4 | $692.1M | $548.0M | $547.5M | $5.5M | 10.62% | 52,402 | 415 |
| 2017Q3 | $694.7M | $551.6M | $538.4M | $4.6M | 10.53% | 52,337 | 410 |
| 2017Q2 | $688.6M | $547.1M | $530.3M | $3.0M | 10.48% | 51,639 | 408 |
| 2017Q1 | $685.2M | $545.3M | $526.5M | $1.4M | 10.47% | 50,972 | 406 |
| 2016Q4 | $650.1M | $512.7M | $518.0M | $4.9M | 10.10% | 50,402 | 412 |
| 2016Q3 | $646.0M | $509.5M | $519.9M | $4.5M | 10.09% | 49,809 | 409 |
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