Federal credit union · Grand Forks, North Dakota · NCUA charter #1904
UNIVERSITY
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $45.0M
- Total assets
- 3,632
- Members
- 14.1%
- Net-worth ratio
UNIVERSITY scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.0M; members 3,632; net-worth ratio 14.05%; health rank #235 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#235 of 4,374 health · 2025Q4UNIVERSITY · health 96/100 · $45.0M · 2025Q4
Call Report peers
UNIVERSITY in the assets neighbourhood
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UNIVERSITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNIVERSITY sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
UNIVERSITY vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 67.98% here, 59.80% peer average (+8.18 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.81 pp (14.05% vs 14.86%).
UNIVERSITY in North Dakota
- In North Dakota, health place is #1 of 29 on the same NCUA-ratio sort used nationally.
- North Dakota assets place: #16 of 29.
- Membership ranks #13 of 29 among North Dakota CUs with a reported count (3,632 members).
- No North Dakota credit union scores higher; the runner-up, RAILWAY (#2) scores 95/100, 1 point lower.
UNIVERSITY: 2025Q4 → 2026Q1
UNIVERSITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $45.0M (2025Q4) to $45.2M (2026Q1).
- Net-worth ratio shifted +0.33 pp (13.72% → 14.05%).
This credit union's 14.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
UNIVERSITY gives up 4 points in total. Member Growth costs the most, 2.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.5 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for UNIVERSITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.05% | -0.81 pp |
| Delinquency Rate | 0.63% | -0.52 pp |
| Return on Assets | 0.88% | +0.17 pp |
| Member Growth | 2.92% | - |
| Loan-to-Share Ratio | 67.98% | +8.18 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
UNIVERSITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.2M | - |
| 2025Q4 | $45.0M | 3,632 |
| 2024Q4 | $45.8M | 3,529 |
| 2023Q4 | $45.6M | 3,366 |
Credit Union Details
- Charter Number
- 1904
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- Grand Forks
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, UNIVERSITY runs 2 offices.
| Office | City |
|---|---|
| Branch Ofc (Main Office) | Grand Forks, ND |
| Campus 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.
UNIVERSITY nationwide neighbourhoods
Using this data
- UNIVERSITY ranks #235 of 4,374 nationally on financial health and #1 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAMOURE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAMOURE
Frequently Asked Questions
Is UNIVERSITY financially healthy?
UNIVERSITY has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #235 of 4,374 nationally on health and #1 of 29 in North Dakota. Its net worth ratio is 14.05% and its delinquency rate 0.63%.
How does UNIVERSITY compare to other credit unions?
UNIVERSITY scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (67.98% vs 59.80%). Its widest shortfall is net worth ratio (14.05% vs 14.86%).
How can I join UNIVERSITY?
UNIVERSITY 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 UNIVERSITY directly for the exact boundaries and application steps.
Is my money safe at UNIVERSITY?
UNIVERSITY 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. UNIVERSITY's net worth ratio of 14.05% 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.