Embarrass Vermillion Federal Credit Union
Overview / Commentary
Embarrass Vermillion Federal Credit Union is headquartered in Aurora and is the 48th largest credit union in the state of Minnesota. It is also the 2,217th largest credit union in the nation. It was established in 1941 and as of March of 2025, it had grown to 15 employees and 4,805 members at 5 locations. Embarrass Vermillion Federal Credit Union has an A health rating.
Field of Membership Restrictions
Embarrass Vermillion Federal Credit Union is open to businesses and individuals who work, go to school, or worship in Northern St. Louis County north of Highway 16. Immediate family are also eligible.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional 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 relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 4708 |
| Year Chartered | 1941 |
| Employees | 15 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.42% |
| Return on Equity - YTD | 9.26% |
| Annual Interest Income | $845K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $64.8MM$58.3MM |
| Loans | Q1 2025vs Q1 2024 | $47.6MM$43.1MM |
| Deposits | Q1 2025vs Q1 2024 | $54.6MM$49.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $9.6MM$8.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $235K$231K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $671K$886K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |