Federal credit union · MINOT, North Dakota · NCUA charter #1888
Aspire Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $179.7M
- Total assets
- 6,329
- Members
- 15.2%
- Net-worth ratio
Aspire Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $179.7M; members 6,329; net-worth ratio 15.21%; health rank #1,065 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,065 of 4,374 health · 2025Q4Aspire Community · health 90/100 · $179.7M · 2025Q4
Call Report peers
Aspire Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Aspire Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Aspire Community sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Aspire Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 96.79% vs peer 72.20% (+24.59 pp).
North Dakota standing for Aspire Community
- Health composite ranks #8 of 29 among scored North Dakota credit unions.
- Assets rank #9 of 29 inside North Dakota ($179.7M reported).
- Membership ranks #9 of 29 among North Dakota CUs with a reported count (6,329 members).
- One place up in North Dakota, Fargo Va (#7) scores 91/100, 1 point higher; one place down, United Savings (#9) ties at 90/100.
Quarter path for Aspire Community
Aspire Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $179.7M (2025Q4) to $180.9M (2026Q1).
- Net-worth ratio shifted +0.25 pp (14.96% → 15.21%).
15.21% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
Aspire Community gives up 10 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.21% | +3.10 pp |
| Delinquency Rate | 0.30% | -0.59 pp |
| Return on Assets | 1.08% | +0.46 pp |
| Member Growth | -0.28% | - |
| Loan-to-Share Ratio | 96.79% | +24.59 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Aspire Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $180.9M | - |
| 2025Q4 | $179.7M | 6,329 |
| 2024Q4 | $172.6M | 6,347 |
| 2023Q4 | $166.3M | 6,439 |
Credit Union Details
- Charter Number
- 1888
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- MINOT
- Data Quarter
- 2025Q4
Branch Location
Aspire Community operates a single office in MINOT, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MINOT, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Cross-state Call Report peers for Aspire Community
Using this data
- Aspire Community ranks #1,065 of 4,374 nationally on financial health and #8 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMMUNITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMMUNITY
Frequently Asked Questions
Is Aspire Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Aspire Community scores 90/100 (Excellent), with a 15.21% net worth ratio and 0.30% of loans delinquent. It ranks #1,065 of 4,374 nationally on health and #8 of 29 in North Dakota.
How does Aspire Community compare to other credit unions?
Aspire Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.79% vs 72.20%).
How can I join Aspire Community?
Aspire Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Aspire Community directly for the exact boundaries and application steps.
Is my money safe at Aspire Community?
Aspire Community is a federal 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. Aspire Community's net worth ratio of 15.21% 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.