MEMBERS COOPERATIVE Credit Union Profile

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MEMBERS COOPERATIVE

Charter #60216 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 625-8500

Fax: (218) 624-1571

Founding Date: N/A

Website: http://www.membersccu.com

Personnel & Operations

President: Dahl, Doris

Manager: Ewers, Stephen

FT Employees: 195

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 14.45%

Membership Type: 99

Branches: 12

Hours: Office Hours: 8:30am - 5:00pm Monday-Thursd

Credit Union Profile Summary

MEMBERS COOPERATIVE is a FISCU Credit Union. With a total of 57,629 members ^[1], this institution manages approximately $1,153,786,842 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.99% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.12% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,153,786,842

Total economic resources.

Total Loans ^[1]

$935,528,968

Total value of outstanding loans.

Total Deposits ^[1]

$938,249,308

Total funds deposited by members.

Members ^[1]

57,629

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.99%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.40%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

99.71%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 1.52%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -0.12%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 4.29%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

215 N 40th Ave W

Duluth, MN, 55807

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 13 branches reported by MEMBERS COOPERATIVE (Charter #60216).

Main Office

West Duluth Main Office

Type: Corporate Office

4628 Mike Colalillo Dr

Duluth, MN 55807-2732

Phone: (800) 296-8871

Services: None specified

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Additional Branches

Aitkin

Aitkin Office

Type: Branch Office

Type: Branch Office

210 6th Ave NE

Type: Branch Office

305 Lundorff Drive

Sandstone, MN 55072

Phone: (320) 245-5251

Services: Member Services, ATM, Drive-Thru

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