Grand Forks, North Dakota · Peer group 3
Area Community Credit Union
Area Community Credit Union holds $27.7M in assets across 1,895 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1964. Charter number 64294, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $27.7M |
|---|---|
| Total loans | $16.6M |
| Total shares (deposits) | $22.3M |
| Net worth | $5.2M |
| Members | 1,895 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.8% | |
|---|---|---|
| Loans | -3.7% | around the 43rd percentile of its peer group |
| Deposits | 3.5% | around the 67th percentile of its peer group |
| Members | -5.0% | around the 16th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 74.3% | around the 76th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.7% | around the 80th percentile of its peer group |
| Return on assets | 0.19% | around the 26th percentile of its peer group |
| Delinquency ratio | 1.34% | around the 75th percentile of its peer group |
| Cash / assets | 18.9% | around the 80th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Area Community Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within North Dakota — the comparison set a peer ratio is measured against.
- Postal Family Credit Union
FARGO, ND
$29.7M · 2,249 members
- Riverfork Credit Union
GRAND FORKS, ND
$31.0M · 2,130 members
- Northern Valley Credit Union
Grand Forks, ND
$18.5M · 1,467 members
- Med Park Credit Union
Grand Forks, ND
$18.5M · 1,487 members
- Minot Area Schools Credit Union
MINOT, ND
$15.0M · 1,175 members
- Lamoure Credit Union
LAMOURE, ND
$40.6M · 1,122 members
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