Embarrass Vermillion Federal Credit Union
LOCATIONS
3
View locations
HEALTH RATING
B
View health report
CURRENT TOP RATE
0.90% APY
IRA Account
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.40% | 1-year CD | 1 Year Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.25% | Savings | Share Account 1.00% - Ally Bank Online Savings Account |
| 0.55% | 2-year CD | 2 Year Share Certificate |
Overview / Commentary
Embarrass Vermillion Federal Credit Union is headquartered in Aurora and is the 64th largest credit union in the state of Minnesota. It is also the 2,906th largest credit union in the nation. It was established in 1941 and as of June of 2016, it had grown to 11 employees and 3,690 members at 3 locations. Embarrass Vermillion Federal Credit Union has a B health rating.
Field of Membership Restrictions
Membership is open to those who work, worship or attend school in Northern St. Louis County north of Highway 16.
See current membership details
Health
B
Data as of Q2 2016
Learn more about bank healthAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Embarrass Vermillion Federal Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 4708 |
| Year Chartered | 1941 |
| Employees | 11 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.93% |
| Return on Equity - YTD | 7.57% |
| Annual Interest Income | $744.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $30.3MM$28.5MM |
| Loans | Q2 2016vs Q2 2015 | $20.8MM$20.4MM |
| Deposits | Q2 2016vs Q2 2015 | $26.1MM$24.8MM |
| Equity Capital | Q2 2016vs Q2 2015 | $3.7MM$3.4MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $119.00K$109.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $485.00K$317.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $130.00K$75.00K |
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Embarrass Vermillion Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.90% | - | - | IRA Account | |
| 0.90% | - | - | Roth IRA Account | |
| 0.25% | - | - | Share Account |
Embarrass Vermillion Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.55% | $2,500 | - | 2 Year Share Certificate | |
| 0.40% | $2,500 | - | 1 Year Share Certificate | |
| 0.25% | $2,500 | - | 6 Month Share Certificate |
Embarrass Vermillion Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.55% | $2,500 | - | 2 Year IRA Certificate | |
| 0.40% | $2,500 | - | 1 Year IRA Certificate | |
| 0.25% | $2,500 | - | 6 Month IRA Certificate |
Locations
| Embarrass Vermillion Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 505 Main St | Tower, MN 55790-5000 |
| Branch Office | 4880 Highway 21 | Embarrass, MN 55732-8244 |
| Branch Office | 510 W 3rd Ave N | Aurora, MN 55705-1280 |