Ideal
Ideal is a credit union based in Woodbury, Minnesota, established in 1926, with $1.1 billion in total assets serving 48,369 members. By Trust Grade it ranks 51st of 81 credit unions we track in Minnesota. Its net worth ratio of 10.5% trails most similarly sized credit unions (44th percentile), versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.55% return on assets. No consumer complaints against Ideal appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Ideal compares to Minnesota peers
How we graded Ideal
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.5% capital ratio)
- Profitable (ROA 0.55%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Ideal over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Ideal insured?
Yes. Ideal is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Ideal: frequently asked questions
Is Ideal a good credit union?
Ideal earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (10.5% capital ratio); Profitable (ROA 0.55%).
Is Ideal NCUA-insured?
Yes. Ideal is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Ideal?
Ideal holds $1.1 billion in total assets, ranking 51st of 81 credit unions we track in Minnesota. It serves 48,369 members.
Does Ideal have CFPB complaints?
No CFPB complaints against Ideal appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
