Z — UnclassifiedEIN: 410174775· Ruling Year: 1944

Minnco Credit Union

Cambridge, Minnesota

B+Health Score
72B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.66×
Peer Median5.86×
💰
$22.0M
Total Revenue
📊
$19.0M
Total Expenses
🏦
$31.5M
Net Assets
📋
$486.5M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+20.9%
Year-over-year change (2022 → 2023)
Net Margin
+14.0%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.66
Net assets divided by total expenses
Liabilities-to-Assets
93.9%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$22,040,179↑21%$18,958,431↑42%$518,034,003↑2%
2022$18,225,983↑6%$13,370,723↑10%$505,736,590↑6%
2021$17,267,094↑7%$12,109,434↓12%$474,930,178↑17%
2020$16,147,841↑12%$13,731,181↑13%$406,346,048↑25%
2019$14,367,472↑2%$12,197,463↑7%$324,556,258↑7%
2018$14,022,008↑8%$11,378,178↑15%$303,036,852↑8%
2017$12,945,122↑11%$9,872,565↑2%$280,385,220↑8%
2016$11,675,677↑5%$9,634,926↑9%$259,913,606↑9%
2015$11,167,043↑3%$8,854,753↓3%$237,819,119↑9%
2014$10,874,743↑1%$9,144,420↑1%$217,755,888↑6%
2013$10,754,404↓4%$9,033,134↓5%$204,711,057↑7%
2012$11,219,897↓1%$9,524,184↓10%$191,601,013↑7%
2011$11,377,106$10,539,901$178,386,797

Frequently Asked Questions

What does Minnco Credit Union do?▼

Minnco Credit Union is a unclassified nonprofit organization based in Minnesota. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Minnco Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Minnco Credit Union has a score of 72/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Minnco Credit Union generate?▼

Minnco Credit Union reports $27.0M in annual revenue and holds $523.4M in total assets, based on IRS filings.

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