5 star ratingAverage User Rating:
5 star rating based on 1 review.

Topline Credit Union

Topline Credit Union Locations
9353 Jefferson Hwy
Maple Grove, MN 55369
763-391-9494
www.toplinecu.com

NCUA

Topline Credit Union is headquartered in Maple Grove and is the 13st largest credit union in the state of Minnesota. It is also the 615st largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 89 employees and 38,814 members. Topline Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Topline Credit Union Checking Account Rates

ApyMinMaxProduct
0.16%$20k-Business TopLine Checking Account
0.11%$20k-TopLine Checking Account
0.06%$500-Interest Checking Account
0.06%$100-Sterling Checking Account

Topline Credit Union Savings Account Rates

ApyMinMaxProduct
0.16%--Young Savers Account
0.11%$50k-Basic Share Savings Account
0.11%$50k-Savings Plus Accunt
0.11%$100-Savings Direct Account
0.11%$50k-Business Share Savings Account
0.11%$50k-Business Savings Plus Account

Topline Credit Union Money Market Rates

ApyMinMaxProduct
0.41%$75k-Regular IRA Money Market Savings Account
0.41%$75k-Roth IRA Money Market Savings Account
0.41%$75k-Coverdell ESA Money Market Savings Account
0.41%$75k-Business Premium Money Market Account
0.37%$100k-Investors Account Money Market Savings
0.37%$100k-Premium Account Money Market Savings
0.37%$100k-TopLine Account Money Market Savings
0.31%$50k-Business Basic Money Market Acount

Topline Credit Union CD Rates

ApyMinMaxProduct
1.31%$25k-60 Month CD
1.31%$25k-Business 60 Month CD
1.06%$25k-48 Month CD
1.06%$25k-Business 48 Month CD
0.69%$25k-36 Month CD
0.69%$25k-Business 36 Month CD
0.55%$25k-24 Month CD
0.55%$25k-Business 24 Month CD
0.48%$25k-25 Month Progressive “Step-Up” CD
0.48%$25k-Business 25 Month Progressive “Step-Up” CD
0.38%$25k-18 Month CD
0.38%$25k-Business 18 Month CD
0.34%$25k-12 Month CD
0.34%$25k-Business 12 Month CD
0.33%$25k-11 Month Interest At Maturity CD
0.33%$25k-15 Month Penalty-Free CD
0.33%$25k-Business 11 Month Interest At Maturity CD
0.33%$25k-Business 15 Month Penalty-Free CD
0.22%$1k-6 Month CD
0.22%$1k-Business 6 Month CD
0.21%$1k-3 Month CD
0.21%$1k-Business 3 Month CD

Topline Credit Union IRA Rates

ApyMinMaxProduct
1.31%$25k-60 Month IRA
1.31%$25k-60 Month Roth IRA
1.31%$25k-60 Month Coverdell IRA
1.06%$25k-48 Month IRA
1.06%$25k-48 Month Roth IRA
1.06%$25k-48 Month Coverdell IRA
0.69%$25k-36 Month IRA
0.69%$25k-36 Month Roth IRA
0.69%$25k-36 Month Coverdell IRA
0.55%$25k-24 Month IRA
0.55%$25k-24 Month Roth IRA
0.55%$25k-24 Month Coverdell IRA
0.48%$25k-25 Month Progressive "Step-Up" IRA Certificate
0.48%$25k-25 Month Progressive "Step-Up" Roth IRA Certificate
0.38%$25k-18 Month Roth IRA
0.38%$25k-18 Month IRA
0.38%$25k-18 Month Coverdell IRA
0.34%$25k-12 Month Roth IRA
0.34%$25k-12 Month IRA
0.34%$25k-12 Month Coverdell IRA
0.33%$25k-11 Month Interest at Maturity IRA Certificate
0.33%$25k-15 Month Penalty-Free IRA Certificate
0.33%$25k-11 Month Interest at Maturity Roth IRA Certificate
0.33%$25k-15 Month Penalty-Free Roth IRA Certificate

Rates updated: 5/22/2013

Data for Q4 2012


Institution Statistics


TOPLINE
NCUA #24568
BankRate ReportView
Year Chartered1935
Employees89
Primary Regulator

Assets and Liabilities

Assets$330.68 million
Loans$162.64 million
Deposits$292.81 million
Equity Capital$32.17 million
Loan Loss Allowance$2.18 million
Unbacked Noncurrent Loans$2.15 million
Real Estate Owned$898,000

Historic Data - December 2011

Assets$311.61 million
Equity Capital$29.56 million
Loan Loss Allowance$2.43 million
Unbacked Noncurrent Loans$3.32 million
Real Estate Owned$490,000

Profit Margin - Quarterly

Net Interest Margin5.23%
Return on Assets0.52%
Return on Equity5.35%
Interest Income$11.74 million
Non-Interest Income$6.36 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Topline Credit Union had $3.04 million in non-current loans and owned real-estate with $34.35 million in equity and loan loss allowances on hand to cover it. This gives Topline Credit Union a Texas Ratio of 8.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Topline Credit Union decreased slightly from 11.92% as of December 31, 2011 to 8.86% as of December 31, 2012, resulting in a positive change of 25.65%.This indicates that the balance sheet and financial strength for Topline Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Topline Credit Union has increased its total deposits by $16.22 million, resulting in 5.86% 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 Topline Credit Union has shown is excellent.
Capitalization4
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. Topline Credit Union has $330.68 million in assets with $34.35 million in equity, resulting in a capitalization level of 10.39%, which is above average.
Write Review

Excellent Loan Officer In Tiffany
5 stars - Sparky - Monday, April 18, 2011 - 3:55 PM

Tiffany provided us with exemplary service.  We had a bit of an emergency with my wife's vehicle breaking down and found ourselves with an immediate need for a new car.  I called Topline to arrange a pre-approval and Tiffany handled our account.  She was pleasant and a joy to deal with - as well as very professional and always kept our best interests in mind through out the process.

 

Ultimately - we couldn't pass up the rate that the dealership was able to land for us (3.0% over 72 months) - but I wanted to make sure her outstanding customer service and professionalism did not go unmentioned.  Without a doubt - she will be our first call for our future loan needs.  

2
 
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