Federal credit union · Grand Forks, North Dakota · NCUA charter #1344
Northern Valley
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $20.4M
- Total assets
- 1,445
- Members
- 14.3%
- Net-worth ratio
Northern Valley scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.4M; members 1,445; net-worth ratio 14.34%; health rank #913 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#913 of 4,374 health · 2025Q4Northern Valley · health 91/100 · $20.4M · 2025Q4
- HEALTH 91/100
- NW 14.3%
- DELQ 0.10%
- ROA 1.83%
- ASSETS $20.4M
- MEM 1,445
- RANK #913/4,374
- PHOTO Grand Heritage
- BOOK 1344
Call Report peers
Northern Valley in the assets neighbourhood
Northern Valley's $20.4M assets sit next to Grand Heritage ($20.4M) 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.
Northern Valley 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
91 Top 23% higher than 77% 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
Northern Valley - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1344: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Northern Valley diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 69.86% here, 59.80% peer average (+10.06 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.52 pp (14.34% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northern Valley in North Dakota
- In North Dakota, health place is #5 of 29 on the same NCUA-ratio sort used nationally.
- North Dakota assets place: #21 of 29.
- Membership ranks #22 of 29 among North Dakota CUs with a reported count (1,445 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.
Northern Valley Call Report trajectory
Northern Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -9.6% from $20.4M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted +1.59 pp (12.75% → 14.34%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.2 pts
- Loan-to-Share Ratio 14.8 pts
Northern Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.34% | -0.52 pp |
| Delinquency Rate | 0.10% | -1.04 pp |
| Return on Assets | 1.83% | +1.12 pp |
| Member Growth | -1.57% | - |
| Loan-to-Share Ratio | 69.86% | +10.06 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.5M | - |
| 2025Q4 | $20.4M | 1,445 |
| 2024Q4 | $19.2M | 1,468 |
| 2023Q4 | $18.3M | 1,466 |
Credit Union Details
- Charter Number
- 1344
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- Grand Forks
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Northern Valley.
| Office | City |
|---|---|
| Northern Valley FCU (Main Office) | Grand Forks, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
A look at other North Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Northern Valley
Two NCUA Call Report peer sets for Northern Valley, both outside North Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Northern Valley ranks #913 of 4,374 nationally on financial health and #5 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Med Park is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Med Park
- 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 Northern Valley financially healthy?
Yes/no aside, the number is 91/100 (Excellent) - Northern Valley'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 #913 of 4,374; by total assets it ranks #3,133 of 4,374 nationally (same basis as /rankings/largest); and #21 of 29 within North Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.34% net worth ratio and 0.10% delinquency rate are the key drivers.
How does Northern Valley compare to other credit unions?
91/100 is Northern Valley's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Northern Valley?
Northern Valley 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 Northern Valley directly for the exact boundaries and application steps.
Is my money safe at Northern Valley?
Federal credit unions like Northern Valley 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. Northern Valley's net worth ratio of 14.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Valley offer compared to banks?
Credit unions like Northern Valley 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 Northern Valley 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.