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
Call Report peers
RIVERFORK in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); RIVERFORK sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in North Dakota, North Star Community (#19) scores 78/100, 1 point higher; one place down, Dakota West (#21) ties at 77/100.
RIVERFORK: 2025Q4 → 2026Q1
RIVERFORK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $31.6M (2025Q4) to $31.0M (2026Q1).
- Net-worth ratio shifted +0.49 pp (13.77% → 14.26%).
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
RIVERFORK gives up 23 points in total. Delinquency Rate costs the most, 10.5 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is RIVERFORK financially healthy?
RIVERFORK has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,072 of 4,374 nationally on health and #20 of 29 in North Dakota. Its net worth ratio is 14.26% and its delinquency rate 1.73%.
How does RIVERFORK compare to other credit unions?
RIVERFORK scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.73% vs 0.70%). Its widest shortfall is loan-to-share ratio (48.78% vs 59.80%).
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?
RIVERFORK 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. RIVERFORK's net worth ratio of 14.26% 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.