AREA COMMUNITY
Grand Forks, ND · State Credit Union · Chartered in ND
Who can join
State government employees (special charter)
Members
1,895
Net Worth Ratio
18.66%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$27.7M
Peer Group 3
Members
1,895
as of latest quarter
Net Worth Ratio
18.66%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$27.7M
Total Shares
$22.3M
Total Loans
$16.6M
Net Income
$13K
Net Worth Ratio
18.66%
≥7% = Well Capitalized
Members
1,895
Return on Assets
0.05%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.01%
$167K
Loan-to-share ratio: 74.3%· healthy range 60–80%
Branch Locations
NCUAArea Community Credit Union
2800 S Washington St, Grand Forks, ND, 58201
7am-6pm, lobby 9am-6pm
Mortgage Lending (HMDA)
No HMDA mortgage lending data on record for this credit union.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/area-community" target="_blank" rel="noopener">View AREA COMMUNITY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.