Total Assets
$1.2B
Total Deposits
$983.3M
Branches
12
Established
1936
MEMBERS COOPERATIVE is a credit union headquartered in DULUTH, Minnesota, established in 1936. It holds $1.2B in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, MEMBERS COOPERATIVE earns a TFS Financial Health Grade of C- (62.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
62.7 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Duluth-Spirit ValleyHQ | 215 N 40th Ave W | Duluth | MN | Full Service |
| Aitkin | 108 Minnesota Ave N | Aitkin | MN | Full Service |
| Baxter | 14633 Edgewood Dr | Baxter | MN | Full Service |
| Cloquet | 1299 Highway 33 S | Cloquet | MN | Full Service |
| BlueStone | 952 Woodland Ave # 960 | Duluth | MN | Full Service |
| Miller Hill | 605 W Central Entrance | Duluth | MN | Full Service |
| Grand Rapids | 18 NW 4th St | Grand Rapids | MN | Full Service |
| Isanti | 210 6th Ave NE | Isanti | MN | Full Service |
| McGregor | 149 W Highway 210 | McGregor | MN | Full Service |
| Moose Lake | 301 Elm Ave | Moose Lake | MN | Full Service |
| North Branch | 38807 9th Ave | North Branch | MN | Full Service |
| Sandstone | 305 Lundorff Drive | Sandstone | MN | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
62.7
Net worth ratio
10.17%
Return on assets
0.63%
60+ day delinquency
1.33%
Suggested direct comparisons
DULUTH, MN
$8.0M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.