RANKING ·
Lowest efficiency ratio in Minnesota
43 of 80 credit unions in Minnesota that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Greater Community Credit Union | Dawson, MN | 42.0% | $297 million |
| 2 | Co-Op Credit Union of Montevideo | Montevideo, MN | 46.5% | $423 million |
| 3 | Hibbing Cooperative Credit Union | Hibbing, MN | 51.2% | $109 million |
| 4 | Mayo Employees Federal Credit Union | Rochester, MN | 52.4% | $1.5 billion |
| 5 | Trustone Financial Credit Union | Plymouth, MN | 58.2% | $6.1 billion |
| 6 | Centricity Credit Union | Hermantown, MN | 60.5% | $341 million |
| 7 | Affinity Plus Federal Credit Union | Saint Paul, MN | 64.3% | $5.0 billion |
| 8 | Minnesota Valley Federal Credit Union | Mankato, MN | 64.4% | $329 million |
| 9 | Minnco Credit Union | Cambridge, MN | 64.9% | $605 million |
| 10 | Minnesota Power Employees Credit Union | Duluth, MN | 66.5% | $162 million |
| 11 | Magnifi Financial Credit Union | Melrose, MN | 67.6% | $2.8 billion |
| 12 | Harbor Pointe Credit Union | Duluth, MN | 68.3% | $158 million |
| 13 | Accentra Credit Union | Austin, MN | 68.7% | $208 million |
| 14 | Home Town Federal Credit Union | Owatonna, MN | 68.8% | $293 million |
| 15 | Red Wing Credit Union | Red Wing, MN | 69.3% | $208 million |
| 16 | Novation Credit Union | Oakdale, MN | 70.2% | $244 million |
| 17 | Building Trades Federal Credit Union | Maple Grove, MN | 70.9% | $250 million |
| 18 | Crow Wing Power Credit Union | Brainerd, MN | 71.2% | $126 million |
| 19 | Trustar Federal Credit Union | International F, MN | 72.1% | $377 million |
| 20 | Members Cooperative Credit Union | Duluth, MN | 72.5% | $1.2 billion |
| 21 | Blaze Credit Union | Falcon Heights, MN | 72.7% | $4.8 billion |
| 22 | Northridge Community Credit Union | Virginia, MN | 73.0% | $113 million |
| 23 | North Star Credit Union | Cook, MN | 73.9% | $116 million |
| 24 | Ideal Credit Union | Woodbury, MN | 73.9% | $1.1 billion |
| 25 | Two Harbors Federal Credit Union | Two Harbors, MN | 74.4% | $118 million |
| 26 | Associated Healthcare Credit Union | Woodbury, MN | 74.8% | $176 million |
| 27 | Mid Minnesota Federal Credit Union | Baxter, MN | 75.1% | $858 million |
| 28 | Brainerd B. N. Credit Union | Brainerd, MN | 76.6% | $128 million |
| 29 | Topline Financial Credit Union | Maple Grove, MN | 77.0% | $1.1 billion |
| 30 | Northwoods Credit Union | Cloquet, MN | 77.0% | $175 million |
| 31 | Heartland Credit Union | Inver Grove Hei, MN | 78.6% | $172 million |
| 32 | Southpoint Financial Credit Union | Sleepy Eye, MN | 80.0% | $609 million |
| 33 | St. Paul Federal Credit Union | Saint Paul, MN | 80.0% | $252 million |
| 34 | City & County Credit Union | Saint Paul, MN | 80.1% | $1.2 billion |
| 35 | First Alliance Credit Union | Rochester, MN | 81.1% | $358 million |
| 36 | St. Cloud Financial Credit Union | Sartell, MN | 82.5% | $456 million |
| 37 | Leading Edge Credit Union | Worthington, MN | 84.4% | $143 million |
| 38 | North Shore Federal Credit Union | Silver Bay, MN | 85.0% | $285 million |
| 39 | Sharepoint Credit Union | Bloomington, MN | 85.0% | $360 million |
| 40 | Northern Communities Credit Union | Duluth, MN | 89.6% | $124 million |
| 41 | My Credit Union | Bloomington, MN | 90.0% | $366 million |
| 42 | Expedition Credit Union | Mendota Heights, MN | 91.5% | $223 million |
| 43 | South Metro Federal Credit Union | Prior Lake, MN | 99.4% | $185 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings