Charter 62978 · Woodbury, MN
Ideal Credit Union
Ideal Credit Union is a state-chartered credit union in Woodbury, Minnesota, with $1.07 billion in assets and 48,045 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.82%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Postal Credit Union, PCU Title, PCU Student Credit Union, PCU Mortgage, PCU Credit Union, PCU Business Services, PCU, Ideal Title, Ideal CU, Ideal Student Credit Union.
- Total assets
- $1.07 billion
- -1.6% in a year
- Members
- 48,045
- -2.7% in a year
- Net worth ratio
- 10.82%
- Peer median 10.79%
- Loans 60+ days late
- 0.79%
- Peer median 0.67%
- Loans outstanding
- $890 million
- +2.3% in a year
- Shares and deposits
- $895 million
- -1.0% in a year
- Branches
- 7
- 161 employees
- Opened
- 1926
- Minnesota charter
How Ideal Credit Union compares
NCUA groups credit unions by size; Ideal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.82% is about the same as that group's median of 10.79%, and its share of loans 60 or more days past due, 0.79%, is higher than the group median of 0.67%. Loans grew 2.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 9 of 80 credit unions headquartered in Minnesota. See all Minnesota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.07 billion | 48,045 | $890 million | 10.82% | 0.79% |
| Q1 2026 | $1.09 billion | 48,369 | $878 million | 10.51% | 0.80% |
| Q4 2025 | $1.08 billion | 48,681 | $887 million | 10.43% | 0.91% |
| Q3 2025 | $1.09 billion | 49,087 | $875 million | 10.56% | 0.70% |
| Q2 2025 | $1.09 billion | 49,381 | $870 million | 10.47% | 0.68% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.7 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Ideal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Woodbury (main office)
8499 Tamarack Rd, Woodbury, MN 55125 - North
2401 Mcknight Rd N, North Saint Paul, MN 55109 - Inver Grove Heights
7791 Amana Trl, Inver Grove Heights, MN 55077 - Hugo
14750 Victor Hugo Blvd N, Hugo, MN 55038 - Eagan
3225 Denmark Ave, Eagan, MN 55121 - Stillwater
2020 Washington Ave S, Stillwater, MN 55082 - Blaine
10777 Austin St Ne, Blaine, MN 55449
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology