Institution Profile
Address: PO BOX 657 AUSTIN, MN 55912
(507) 433-1829
Website:
NCUA Profile:
Charter Date:
1/1/1930
Charter Type:
State
Branches:
3
Branches by Region
MN 3
Financial Overview
Total Assets
$209.79M
Total Deposits
$188.30M
Total Loans
$136.26M
Members
17,039
Employees
48 41 Full-time / 7 Part-time
Allowance for Loan Losses
$1.66M
Performance Ratios
Net Worth Ratio
10.35%
Loan-to-Deposit Ratio
72.36%
Coverage Ratio
1.22% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +41.61% Total Deposits: +42.77% Total Loans: +25.23% since 2020 Q1
Member Growth
Member Growth
Members: +5.69% since 2020 Q1
Employee Growth
Employee Growth
Employees: +9.09% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
3,891
Amount This Year (YTD)
$59.19M
Number of Loans per Quarter
Loans Granted: -44.49% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +41.67% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$53.74M 39.4%
1st Mortgages
$41.25M 30.3%
New Vehicle
$11.01M 8.1%
HELOCs
$10.81M 7.9%
Other Secured
$10.49M 7.7%
Other Unsecured
$3.63M 2.7%
Credit Card
$3.25M 2.4%
CRE: Owner-Occupied
$735,082 0.5%
CRE: Non-Owner-Occupied
$573,100 0.4%
Commercial & Industrial
$403,450 0.3%
CRE: Multifamily
$299,328 0.2%
Other Real Estate
$52,314 0.0%
Commercial Unsecured
$16,814 0.0%
Unaccounted
$2 0.0%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 17,039 | $209.79M | $188.30M | $136.26M | 48 |
| 2025 Q3 | 17,060 | $206.05M | $185.26M | $137.38M | 46 |
| 2025 Q2 | 17,036 | $203.69M | $183.46M | $140.07M | 47 |
| 2025 Q1 | 17,053 | $206.88M | $186.96M | $140.73M | 45 |
| 2024 Q4 | 16,923 | $200.23M | $181.03M | $141.22M | 43 |
| 2024 Q3 | 16,762 | $196.31M | $177.15M | $141.91M | 44 |
| 2024 Q2 | 16,564 | $193.58M | $174.87M | $140.88M | 44 |
| 2024 Q1 | 16,636 | $198.62M | $177.84M | $140.43M | 44 |
| 2023 Q4 | 16,421 | $200.36M | $173.06M | $144.10M | 44 |
| 2023 Q3 | 16,383 | $198.14M | $172.41M | $145.77M | 46 |
| 2023 Q2 | 16,045 | $199.67M | $174.14M | $145.03M | 47 |
| 2023 Q1 | 15,765 | $199.42M | $180.11M | $141.11M | 47 |
| 2022 Q4 | 15,542 | $198.46M | $176.14M | $137.44M | 46 |
| 2022 Q3 | 15,441 | $195.28M | $174.06M | $135.89M | 47 |
| 2022 Q2 | 15,333 | $193.01M | $174.42M | $130.79M | 49 |
| 2022 Q1 | 15,307 | $193.94M | $176.50M | $128.11M | 46 |
| 2021 Q4 | 16,126 | $188.11M | $168.96M | $122.59M | 45 |
| 2021 Q3 | 16,108 | $185.76M | $166.93M | $117.66M | 49 |
| 2021 Q2 | 16,029 | $180.60M | $162.60M | $112.31M | 48 |
| 2021 Q1 | 15,945 | $179.77M | $162.75M | $106.42M | 38 |
| 2020 Q4 | 15,944 | $167.52M | $149.97M | $106.43M | 42 |
| 2020 Q3 | 16,063 | $160.95M | $143.92M | $108.03M | 41 |
| 2020 Q2 | 16,066 | $156.99M | $140.27M | $107.45M | 45 |
| 2020 Q1 | 16,122 | $148.15M | $131.89M | $108.80M | 44 |
Interest Rates
Current average rates by loan type
New Vehicle
6.49%
Used Vehicle
4.99%
1st Mortgage (Fixed)
5.50%
HELOC
3.90%
Credit Card
15.90%
Other Unsecured
11.40%