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
- HEALTH 87/100
- NW 8.8%
- DELQ 0.33%
- ROA 1.28%
- ASSETS $14.4M
- MEM 1,176
- RANK #1,729/4,374
- PHOTO PROFINANCE
- BOOK 8943
Call Report peers
Minot Area Schools in the assets neighbourhood
Minot Area Schools's $14.4M assets sit next to PROFINANCE ($14.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% 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
Minot Area Schools - Share Insurance Coverage
Charter #8943'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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Minot Area Schools: 2025Q4 → 2026Q1
Minot Area Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $14.4M (2025Q4) to $15.0M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.05% → 8.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Minot Area Schools's nationwide photo peers by assets and by health score, excluding North Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Minot Area Schools financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Minot Area Schools's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,729 of 4,374; by total assets it ranks #3,343 of 4,374 nationally (same basis as /rankings/largest); and #23 of 29 within North Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.79% net worth ratio and 0.33% delinquency rate are the key drivers.
How does Minot Area Schools compare to other credit unions?
Minot Area Schools scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Minot Area Schools 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. Minot Area Schools's net worth ratio of 8.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Minot Area Schools offer compared to banks?
Credit unions like Minot Area Schools 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 Minot Area Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.