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612-951-1500
820 Lilac Dr N
Minneapolis, MN 55422

Endura Financial Federal Credit Union is headquartered in MINNEAPOLIS and is the 12st largest credit union in the state of Minnesota. It is also the 610st largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 52 employees and 24,818 members. Endura Financial Federal Credit Union has a A health rating.

Field of Membership Restrictions

EFFCU provides financial services to employees and retirees of select employee groups, their subsidiaries and affiliates, with benefits also available to family members and domestic partners. In addition, Twin Cities’ community members from Brooklyn Center to St. Louis Park, Minneapolis to Robbinsdale are also eligible for Credit Union membership. If you don’t fall under one of the aforementioned categories, you can join the Minnesota Consumer Council, free of charge, and automatically become eligible for EFFCU membership. - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Endura Financial Federal Credit Union had $1.26 million in non-current loans and owned real-estate with $49.3 million in equity and loan loss allowances on hand to cover it. This gives Endura Financial Federal Credit Union a Texas Ratio of 2.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Endura Financial Federal Credit Union decreased slightly from 3.63% as of March 31, 2013 to 2.56% as of March 31, 2014, resulting in a positive change of 29.67%.This indicates that the balance sheet and financial strength for Endura Financial Federal Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, Endura Financial Federal Credit Union has decreased its total deposits by -$6.03 million, resulting in -1.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Endura Financial Federal Credit Union has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Endura Financial Federal Credit Union has $358.01 million in assets with $49.3 million in equity, resulting in a capitalization level of 13.77%, which is excellent.

Institution Statistics

Overall
NCUA #24446
Year Chartered1934
Employees52
Primary Regulator
Assets and Liabilities
Assets$358.01 million
Loans$183.49 million
Deposits$310.00 million
Equity Capital$47.18 million
Loan Loss Allowance$2.12 million
Unbacked Noncurrent Loans$958,000
Real Estate Owned$302,000
Historic Data - March 2013
Assets$362.04 million
Equity Capital$44.47 million
Loan Loss Allowance$2.96 million
Unbacked Noncurrent Loans$958,000
Real Estate Owned$345,000
Profit Margin - Quarterly
Net Interest Margin1.04%
Return on Assets0.71%
Return on Equity5.4%
Interest Income$2.32 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Endura Financial Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Endura Financial Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$500-Get Ahead Savings
0.25%--IRA Growth Savings Account
0.25%$500-Roth IRA Growth Savings Account
0.15%-$5kYouth Savings
0.10%$25-Share Savings

Endura Financial Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$100k-Premier Money Market
0.25%$50k-Advantage Money Market

Endura Financial Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.51%-$25keLife Checking - Qualifying
0.10%--eLife Checking - Non Qualifying

Endura Financial Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.21%$1k-49-60 Month Fixed Rate Share Certificate - Relationship
1.11%$1k-49-60 Month Relock Share Certificate - Relationship
1.11%$15k-49-60 Month Fixed Rate Share Certificate - $15,000 New Money
1.11%$1k-49-60 Month Fixed Rate Share Certificate
1.00%$1k-42-48 Month Fixed Rate Share Certificate - Relationship
1.00%$15k-49-60 Month Relock Share Certificate - $15,000 New Money
1.00%$1k-49-60 Month Relock Share Certificate
0.90%$1k-42-48 Month Relock Share Certificate - Relationship
0.90%$15k-42-48 Month Fixed Rate Share Certificate - $15,000 New Money
0.90%$1k-42-48 Month Fixed Rate Share Certificate
0.80%$15k-42-48 Month Relock Share Certificate - $15,000 New Money
0.80%$1k-42-48 Month Relock Share Certificate
0.65%$1k-36-41 Month Fixed Rate Share Certificate - Relationship
0.55%$1k-36-41 Month Relock Share Certificate - Relationship
0.55%$15k-36-41 Month Fixed Rate Share Certificate - $15,000 New Money
0.55%$1k-36-41 Month Fixed Rate Share Certificate
0.50%$1k-24-35 Month Fixed Rate Share Certificate - Relationship
0.45%$15k-36-41 Month Relock Share Certificate - $15,000 New Money
0.45%$1k-36-41 Month Relock Share Certificate
0.40%$1k-12-23 Month Fixed Rate Share Certificate - Relationship
0.40%$1k-24-35 Month Relock Share Certificate - Relationship
0.40%$15k-24-35 Month Fixed Rate Share Certificate - $15,000 New Money
0.40%$1k-24-35 Month Fixed Rate Share Certificate
0.35%$100k$1m12 Month Jumbo Share Certificate - Relationship
0.35%$100k$1m12 Month Jumbo Share Certificate - $15,000 New Money
0.35%$100k-12 Month Jumbo Share Certificate
0.30%$1k-6-11 Month Fixed Rate Share Certificate - Relationship
0.30%$15k-12-23 Month Fixed Rate Share Certificate - $15,000 New Money
0.30%$15k-24-35 Month Relock Share Certificate - $15,000 New Money
0.30%$1k-12-23 Month Fixed Rate Share Certificate
0.30%$1k-24-35 Month Relock Share Certificate
0.25%$1k-3 Month Fixed Rate Share Certificate - Relationship
0.20%$15k-6-11 Month Fixed Rate Share Certificate - $15,000 New Money
0.20%$1k-6-11 Month Fixed Rate Share Certificate
0.15%$15k-3 Month Fixed Rate Share Certificate - $15,000 New Money
0.15%$1k-3 Month Fixed Rate Share Certificate

Endura Financial Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.21%--60 Month IRA
0.65%--36 Month IRA
0.40%--12 Month IRA
Locations


Endura Financial Federal Credit Union Locations
Branch Office820 LILAC DR NMINNEAPOLIS, MN 55422
Branch Office2600 RIDGWAY PKWYMINNEAPOLIS, MN 55413
Branch Office5825 XERXES AVE NBROOKLYN CENTER, MN 55430
Branch Office1885 DOUGLAS DR NGOLDEN VALLEY, MN 55422