MEMBERS COOPERATIVE
State-Chartered • DULUTH, Minnesota • Est. 1936
Quick Facts
- Charter Number
- #60216
- Type
- State-Chartered
- Established
- 1936
- Headquarters
- DULUTH, Minnesota 55807
- Address
- 215 N 40TH AVE W
- Branches
- 12
- ATMs
- 9
- Members
- 58,973
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
58,973 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MEMBERS COOPERATIVE |
|---|---|
| Total Assets | $1.2B |
| Members | 58,973 |
| Loans Outstanding | $934.4M |
| Shares & Deposits | $962.8M |
| Net Worth | $119.5M |
| Net Worth Ratio | 10.19% |
| Loan-to-Share Ratio | 97.0% |
| Delinquency Rate | 1.56% |
| Net Income | +$11,830,458 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
12 locations · 9 ATMs
Cloquet
1299 Highway 33 S
Cloquet, MN 55720-2662
Duluth-Spirit Valley
Main Office215 N 40th Ave W
Duluth, MN 55807
Aitkin
108 Minnesota Ave N
Aitkin, MN 56431-1410
McGregor
149 W Highway 210
McGregor, MN 55760
Miller Hill
605 W Central Entrance
Duluth, MN 55811-5448
Who Can Join MEMBERS COOPERATIVE?
Membership Type: Community
Membership eligibility for MEMBERS COOPERATIVE may vary. Contact the credit union directly to confirm qualification requirements.
Contact MEMBERS COOPERATIVE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. MEMBERS COOPERATIVE 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, MEMBERS COOPERATIVE has 58,973 members and a potential membership field of 1,352,054 people.
MEMBERS COOPERATIVE's net worth ratio is 10.19% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.2%, MEMBERS COOPERATIVE meets this threshold.
MEMBERS COOPERATIVE operates 12 branch locations and has access to 9 ATMs. The main office is located at 215 N 40th Ave W, Duluth, MN 55807.
MEMBERS COOPERATIVE was established in 1936. It is a state-chartered credit union chartered under charter number 60216. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MEMBERS COOPERATIVE. All financial data is for informational purposes only.