🏦Bank Scorer

EMBARRASS VERMILLION

Aurora, MN · Federal Credit Union · Chartered in MN

LICUWell Capitalized

Who can join

Employee group

Charter #4708Est. 1941RSSD: 132170

Members

4,836

Net Worth Ratio

14.02%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$66.3M

Peer Group 4

Members

4,836

as of latest quarter

Net Worth Ratio

14.02%

Well Capitalized

Institution Profile

NCUA

Address

600 W 3rd Ave N, Aurora, MN 55705-1269

Chartered

1941

Branch Locations

4 locations

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$66.3M

Total Shares

$56.6M

Total Loans

$50.6M

Net Income

$342K

Net Worth Ratio

14.02%

≥7% = Well Capitalized

Members

4,836

Return on Assets

0.52%

annualized · >0.5% healthy

Delinquency Rate (60d+)

0.84%

$425K

Loan-to-share ratio: 89.3%· healthy range 60–80%

Branch Locations

NCUA

Aurora Branch

600 W 3rd Ave N, Aurora, MN, 55705-1269

8:00am To 5:00pm Monday - Friday

MainATMDrive-thru

Tower Branch

505 Main St, Tower, MN, 55790-5004

8:00am to 5:00pm Monday - Friday

ATMDrive-thru

Embarrass Branch

4880 Highway 21, Embarrass, MN, 55732-8244

8:00am-5:00pm Monday - Friday

ATM

Nett lake Branch

5342 Lake shore DR, Nett Lake, MN, 55772-1200

8:30 to 5:00 Monday - Friday

Drive-thru

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.