Federal credit union · MINOT, North Dakota · NCUA charter #8943
Minot Area Schools
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $14.4M
- Total assets
- 1,176
- Members
- 8.8%
- Net-worth ratio
Minot Area Schools scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.4M; members 1,176; net-worth ratio 8.79%; health rank #1,729 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,729 of 4,374 health · 2025Q4Minot Area Schools · health 87/100 · $14.4M · 2025Q4
Call Report peers
Minot Area Schools in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Minot Area Schools vs every NCUA-scored credit union
Minot Area Schools sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Minot Area Schools vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.82 pp (0.33% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 42.93% here, 59.80% peer average (-16.87 pp).
North Dakota standing for Minot Area Schools
- Health composite ranks #14 of 29 among scored North Dakota credit unions.
- By total assets, Minot Area Schools is #23 of 29 in North Dakota.
- Membership ranks #24 of 29 among North Dakota CUs with a reported count (1,176 members).
- One place up in North Dakota, Fargo Public Schools (#13) ties at 87/100; one place down, Postal Family (#15) scores 85/100, 2 points lower.
Minot Area Schools: 2025Q4 → 2026Q1
Minot Area Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $14.4M (2025Q4) to $15.0M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.05% → 8.79%).
8.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Minot Area Schools gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.1 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for Minot Area Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.79% | -6.07 pp |
| Delinquency Rate | 0.33% | -0.82 pp |
| Return on Assets | 1.28% | +0.57 pp |
| Member Growth | 1.38% | - |
| Loan-to-Share Ratio | 42.93% | -16.87 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Minot Area Schools quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.0M | - |
| 2025Q4 | $14.4M | 1,176 |
| 2024Q4 | $13.6M | 1,160 |
| 2023Q4 | $12.2M | 1,538 |
Credit Union Details
- Charter Number
- 8943
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- MINOT
- Data Quarter
- 2025Q4
Branch Location
Minot Area Schools operates a single office in Minot, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Minot Area Schools Federal Credit Union (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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Minot Area Schools ranks #1,729 of 4,374 nationally on financial health and #14 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fargo Va is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fargo Va
Frequently Asked Questions
Is Minot Area Schools financially healthy?
Minot Area Schools has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,729 of 4,374 nationally on health and #14 of 29 in North Dakota. Its net worth ratio is 8.79% and its delinquency rate 0.33%.
How does Minot Area Schools compare to other credit unions?
Minot Area Schools scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.33% vs 1.15%). Its widest shortfall is loan-to-share ratio (42.93% vs 59.80%).
How can I join Minot Area Schools?
Minot Area Schools 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 Minot Area Schools directly for the exact boundaries and application steps.
Is my money safe at Minot Area Schools?
Minot Area Schools 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. Minot Area Schools's net worth ratio of 8.79% 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.