IDEAL
State-Chartered • WOODBURY, Minnesota • Est. 1926
Quick Facts
- Charter Number
- #62978
- Type
- State-Chartered
- Established
- 1926
- Headquarters
- WOODBURY, Minnesota 55125-9201
- Address
- 8499 TAMARACK RD
- Branches
- 6
- ATMs
- 6
- Members
- 48,681
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
48,681 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | IDEAL |
|---|---|
| Total Assets | $1.1B |
| Members | 48,681 |
| Loans Outstanding | $887.2M |
| Shares & Deposits | $905.2M |
| Net Worth | $112.6M |
| Net Worth Ratio | 10.43% |
| Loan-to-Share Ratio | 98.0% |
| Delinquency Rate | 0.91% |
| Net Income | +$8,859,177 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 6 ATMs
Woodbury
Main Office8499 Tamarack Rd
Woodbury, MN 55125-9201
North
2401 McKnight Rd N
North Saint Paul, MN 55109-2211
Inver Grove Heights
7791 Amana Trl
Inver Grove Heights, MN 55077-2610
Hugo
14750 Victor Hugo Blvd N
Hugo, MN 55038-4561
Eagan
3225 Denmark Ave
Eagan, MN 55121-1382
Who Can Join IDEAL?
Membership Type: Community
Membership eligibility for IDEAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact IDEAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Minnesota
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View Minnesota RankingsFrequently Asked Questions
Yes. IDEAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, IDEAL has 48,681 members and a potential membership field of 3,728,042 people.
IDEAL's net worth ratio is 10.43% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.4%, IDEAL meets this threshold.
IDEAL operates 6 branch locations and has access to 6 ATMs. The main office is located at 8499 Tamarack Rd, Woodbury, MN 55125-9201.
IDEAL was established in 1926. It is a state-chartered credit union chartered under charter number 62978. The institution has been serving members for 100 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or IDEAL. All financial data is for informational purposes only.