State credit union · Grand Forks, North Dakota · NCUA charter #62593
Med Park
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $18.0M
- Total assets
- 1,515
- Members
- 16.2%
- Net-worth ratio
Med Park - Share Insurance Coverage
Charter #62593's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Med Park - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth22
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
16.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.22% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.82% | 15% |
| Member Growth | -3.19% | 15% |
| Loan-to-Share Ratio | 88.85% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $18.0M | 1,515 |
| 2024Q4 | $18.0M | 1,565 |
| 2023Q4 | $17.1M | 1,610 |
Credit Union Details
- Charter Number
- 62593
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- Grand Forks
- Data Quarter
- 2025Q4
What This Data Says About Med Park
1,515 members and $18.0M in total assets sit behind Med Park, a state credit union in Grand Forks, North Dakota, which posts a health score of 88/100 (Excellent) on the five-factor composite, with $13.3M in outstanding loans as of Q4 2025 and a net worth ratio of 16.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #62593 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 88.85% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.82% on net income of $329K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.19%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Med Park financially healthy?
A 16.22% net worth ratio and a 0.00% delinquency rate feed into Med Park's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Med Park compare to other credit unions?
On PlainCU's health composite, Med Park lands at 88/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Med Park?
Membership eligibility for Med Park depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Med Park directly for current membership requirements and application steps.
Is my money safe at Med Park?
Federal credit unions like Med Park are 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. Med Park's net worth ratio of 16.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Med Park offer compared to banks?
Credit unions like Med Park are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Med Park directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.