Credit union · NCUA insured
Embarrass Vermillion FCU
A $66.3M credit union headquartered in Aurora, MN, with 4,836 members and 4 branches in Minnesota. Best rates: CDs 4.25% APY.
Embarrass Vermillion FCU Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#8 of 29 in Duluth, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Embarrass Vermillion FCU
- Headquarters
- 600 W 3rd Ave N, Aurora, MN 55705-1269
- NCUA charter
- 4708
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in St. Louis County, MN, North of Hwy 16 for at least six months out of the year are eligible for membership.
Employers and groups
- Employees and enrolled members of the Bois Forte Band of Chippewa located in Nett Lake, MN, who qualify for membership in accordance with its charter and bylaws in effect as of October 10, 2013 are eligible for membership.
- Employees of this credit union are eligible for membership.
- Employees of the Bois Forte Development Corporation located in Tower, Minnesota are eligible for membership.
Military, government and schools
- Employees of Nett Lake School, ISD #707, located in Nett Lake, Minnesota are eligible for membership.
- Employees of the Bois Forte Band of Chippewa Reservation Tribal Government located in Nett Lake, Minnesota are eligible for membership.
6 more ways to join
Family and household
- Individuals who have family living, working, worshipping, or attending school in St. Louis County, MN, North of Hwy 16 for at least six months out of the year are eligible for membership.
- Members of the immediate family or household of eligible persons are eligible for membership.
- Spouses of persons who died while within the field of membership of this credit union are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities in the proposed charter are eligible for membership.
- Persons retired as pensioners or annuitants from qualifying employment are eligible for membership.
- Volunteers of the eligible organizations/employers are eligible for membership.
Cost to join
- Adult membership requires a deposit of $25.00 into an EVFCU savings account.
- Child membership requires a deposit of $5.00 into an EVFCU savings account.
Branches
4 branches in Minnesota
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Minnesota
4 branches
- Aurora BranchMain office600 W 3rd Ave N, Aurora, MN 55705Directions
- Embarrass Branch4880 Highway 21, Embarrass, MN 55732Directions
- Nett lake Branch5342 Lake shore DR, Nett Lake, MN 55772Directions
- Tower Branch505 Main St, Tower, MN 55790Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.18% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.95% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio14.18%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.95%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Embarrass Vermillion FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.