Federal credit union · GRAND FORKS, North Dakota · NCUA charter #13067
RIVERFORK
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $31.6M
- Total assets
- 2,145
- Members
- 14.3%
- Net-worth ratio
RIVERFORK scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.6M; members 2,145; net-worth ratio 14.26%; health rank #3,072 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,072 of 4,374 health · 2025Q4RIVERFORK · health 77/100 · $31.6M · 2025Q4
- DELQ 77/100
- ROA 14.3%
- ASSETS 1.73%
- MEM 0.73%
- RANK $31.6M
- PHOTO 2,145
- BOOK #3,072/4,374
- CHARTER Cheyenne-Laramie County Employees
- NCUSIF 13067
Call Report peers
RIVERFORK in the assets neighbourhood
RIVERFORK's $31.6M assets sit next to Cheyenne-Laramie County Employees ($31.6M) 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.
RIVERFORK 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
77 28th percentile higher than 28% 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
RIVERFORK - Share Insurance Coverage
Charter #13067'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.
RIVERFORK vs $10M–$50M peers
- Return on Assets leads the peer set - 0.73% here, 0.70% peer average (+0.02 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.02 pp (48.78% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where RIVERFORK sits in North Dakota
- In North Dakota, health place is #20 of 29 on the same NCUA-ratio sort used nationally.
- Assets rank #18 of 29 inside North Dakota ($31.6M reported).
- Member book place in North Dakota: #18 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
RIVERFORK: 2025Q4 → 2026Q1
RIVERFORK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $31.6M (2025Q4) to $31.0M (2026Q1).
- Net-worth ratio shifted +0.49 pp (13.77% → 14.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for RIVERFORK
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.26% | -0.60 pp |
| Delinquency Rate | 1.73% | +0.59 pp |
| Return on Assets | 0.73% | +0.02 pp |
| Member Growth | -1.02% | - |
| Loan-to-Share Ratio | 48.78% | -11.02 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).
RIVERFORK quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.0M | - |
| 2025Q4 | $31.6M | 2,145 |
| 2024Q4 | $28.7M | 2,167 |
| 2023Q4 | $28.5M | 2,174 |
Credit Union Details
- Charter Number
- 13067
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- GRAND FORKS
- Data Quarter
- 2025Q4
Branch Locations (4)
RIVERFORK operates 4 offices across 3 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Riverfork Federal Credit Union (Main Office) | Grand Forks, ND |
| Fiserv CUSA | Flint, MI |
| Med Park Credit Union | Grand Forks, ND |
| FISERV | Salt Lake City, UT |
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.
Other-state peers near RIVERFORK
Cross-state asset and health neighbours for RIVERFORK - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- RIVERFORK ranks #3,072 of 4,374 nationally on financial health and #20 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Postal Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Postal Family
- 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 RIVERFORK financially healthy?
RIVERFORK scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,072 of 4,374; by total assets it ranks #2,815 of 4,374 nationally (same basis as /rankings/largest); and #18 of 29 within North Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.26% net worth ratio and a 1.73% delinquency rate.
How does RIVERFORK compare to other credit unions?
On PlainCU's health composite, RIVERFORK lands at 77/100, 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 RIVERFORK?
RIVERFORK serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact RIVERFORK directly for the current list of qualifying groups.
Is my money safe at RIVERFORK?
Federal credit unions like RIVERFORK 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. RIVERFORK's net worth ratio of 14.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does RIVERFORK offer compared to banks?
Credit unions like RIVERFORK 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 RIVERFORK 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.