State credit union · GRAND FORKS, North Dakota · NCUA charter #64294
Area Community
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $27.1M
- Total assets
- 1,904
- Members
- 18.7%
- Net-worth ratio
Area Community scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.1M; members 1,904; net-worth ratio 18.66%; health rank #3,637 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,637 of 4,374 health · 2025Q4Area Community · health 69/100 · $27.1M · 2025Q4
Call Report peers
Area Community in the assets neighbourhood
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Area Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Area Community sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Area Community
- Loan-to-Share Ratio leads the peer set - 76.88% here, 59.80% peer average (+17.08 pp).
- Return on Assets trails the peer set - 0.07% here, 0.70% peer average (-0.64 pp).
North Dakota standing for Area Community
- Health composite ranks #25 of 29 among scored North Dakota credit unions.
- By total assets, Area Community is #20 of 29 in North Dakota.
- North Dakota membership ordinal: #19 of 29.
- One place up in North Dakota, Northern Sts Pwr Company Emp (#24) scores 70/100, 1 point higher; one place down, COMMUNITY (#26) scores 67/100, 2 points lower.
Area Community Call Report trajectory
Area Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $27.1M (2025Q4) to $27.7M (2026Q1).
- Net-worth ratio shifted -0.38 pp (19.04% → 18.66%).
This credit union's 18.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Area Community gives up 31 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 7.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Area Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.66% | +3.80 pp |
| Delinquency Rate | 1.50% | +0.36 pp |
| Return on Assets | 0.07% | -0.64 pp |
| Member Growth | -5.23% | - |
| Loan-to-Share Ratio | 76.88% | +17.08 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Area Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $27.7M | - |
| 2025Q4 | $27.1M | 1,904 |
| 2024Q4 | $26.5M | 2,009 |
| 2023Q4 | $26.0M | 2,028 |
Credit Union Details
- Charter Number
- 64294
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- GRAND FORKS
- Data Quarter
- 2025Q4
Branch Location
Area Community operates a single office in Grand Forks, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Area Community Credit Union (Main Office) | Grand Forks, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Area Community nationwide neighbourhoods
Similar total assets
Using this data
- Area Community ranks #3,637 of 4,374 nationally on financial health and #25 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Postal Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Postal Family
Frequently Asked Questions
Is Area Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Area Community scores 69/100 (Good), with a 18.66% net worth ratio and 1.50% of loans delinquent. It ranks #3,637 of 4,374 nationally on health and #25 of 29 in North Dakota.
How does Area Community compare to other credit unions?
Area Community scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (76.88% vs 59.80%). Its widest shortfall is return on assets (0.07% vs 0.70%).
How can I join Area Community?
Membership eligibility for Area Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Area Community directly for current membership requirements and application steps.
Is my money safe at Area Community?
Area Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Area Community's net worth ratio of 18.66% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.