State overview · Q4 2025

North Dakota Credit Unions

All 29 federally-insured credit unions in North Dakota, ranked by financial health, from NCUA 5300 Call Reports.

29
Credit unions
215K
Members
$5.9B
Combined assets
82/100
Avg health
29 CUs · avg health 82/100

North Dakota has 29 federally insured credit unions averaging 82/100 health on NCUA 5300 Call Report aggregates. Combined assets $5.9B; 18 score Excellent (80+). State leader: UNIVERSITY at 96/100.

  • Mean delinquency rank #15 of 52 (lower DQ better)
  • Mean ROA rank #17 of 52
  • Data vintage 2026-09-06

North Dakota vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

29 42nd of 54 higher than 11 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How North Dakota's 29 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)18 CUsGood (60–79)10 CUsFair (40–59)1 CUsWeak (<40)0 CUs

North Dakota Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 29 federally insured credit unions in North Dakota, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.95%
National rank #15 of 52 · lower DQ better
Mean ROA
0.70%
National rank #17 of 52
Mean loan-to-share
70.8%
Mean net worth 15.1% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
24.6%
Dispersed book, largest charter holds under 25% of combined North Dakota CU assets · concentration rank #28 of 52 (lower share = more dispersed) · largest by assets on this board: First Community

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). North Dakota is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

North Dakota vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, North Dakota highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0%0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate North Dakota vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%ND - 15.1%, 0.95%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, North Dakota highlighted.

All Credit Unions in North Dakota

Credit Union Health
UNIVERSITY Grand Forks 96
RAILWAY MANDAN 95
First Community Jamestown 92
Town and Country MINOT 92
Affinity First Minot 91
Fargo Va FARGO 91
Northern Valley Grand Forks 91
Aspire Community MINOT 90
United Savings FARGO 90
LAMOURE LAMOURE 88
Med Park Grand Forks 88
CAPITAL Bismarck 87
Fargo Public Schools Fargo 87
Minot Area Schools MINOT 87
Postal Family FARGO 85
Dakota Plains Edgeley 84
TEL-U-WATT MINOT 84
CCE Fargo 82
North Star Community Maddock 78
Dakota West WATFORD CITY 77
RIVERFORK GRAND FORKS 77
Western Cooperative Williston 76
Vue Community BISMARCK 74
Northern Sts Pwr Company Emp Grand Forks 70
Area Community GRAND FORKS 69
COMMUNITY NEW ROCKFORD 67
F.F.E. FARGO 65
HOMETOWN KULM 65
Lisbon Farmers Union LISBON 55

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in North Dakota

North Dakota is home to 29 federally-insured credit unions collectively serving 215K members with $5.9B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 82/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. UNIVERSITY of Grand Forks currently leads the cohort with a health score of 96/100, while the full distribution spans 29 institutions ranked below.

The health distribution breaks into four bands: 18 credit unions score 80–100 (Excellent), 10 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across North Dakota's 29 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for North Dakota: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($5.9B here).

South Dakota $6.0B Arkansas $5.2B West Virginia $5.2B Nebraska $6.9B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (29 here).

District of Columbia 29 CUs Idaho 26 CUs Arizona 33 CUs New Mexico 37 CUs

Frequently Asked Questions

How many credit unions are in North Dakota?

There are 29 federally-insured credit unions in North Dakota as of Q4 2025, with a combined 215K members and $5.9B in total assets. That places North Dakota at #48 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, North Dakota ranks #24 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in North Dakota?

Based on NCUA Q4 2025 data, UNIVERSITY in Grand Forks ranks highest in North Dakota with a health score of 96/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using North Dakota's data

  • UNIVERSITY in Grand Forks is the healthiest scored credit union in North Dakota at 96/100 -- look up its full composite before assuming it fits your situation. View full profile
  • North Dakota's credit unions rank #15 of 52 nationally on delinquency rate (among the lowest) and #17 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • North Dakota ranks #24 of 54 by average health score and #48 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.