Grand Forks, North Dakota · Peer group 3
University Credit Union
University Credit Union holds $45.2M in assets across 3,626 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1937. Charter number 1904, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $45.2M |
|---|---|
| Total loans | $25.8M |
| Total shares (deposits) | $38.6M |
| Net worth | $6.4M |
| Members | 3,626 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.9% | |
|---|---|---|
| Loans | -4.2% | around the 40th percentile of its peer group |
| Deposits | -3.0% | around the 23rd percentile of its peer group |
| Members | 2.4% | around the 87th 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 | 66.8% | around the 65th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.1% | around the 53rd percentile of its peer group |
| Return on assets | 1.57% | around the 88th percentile of its peer group |
| Delinquency ratio | 0.58% | around the 50th percentile of its peer group |
| Cash / assets | 8.0% | around the 31st 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 University 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.
- Lamoure Credit Union
LAMOURE, ND
$40.6M · 1,122 members
- Fargo Public Schools Credit Union
Fargo, ND
$57.6M · 2,349 members
- Riverfork Credit Union
GRAND FORKS, ND
$31.0M · 2,130 members
- Postal Family Credit Union
FARGO, ND
$29.7M · 2,249 members
- Area Community Credit Union
GRAND FORKS, ND
$27.7M · 1,895 members
- Affinity First Credit Union
Minot, ND
$71.0M · 2,562 members
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