Institution Profile
Address: PO BOX 2336 BISMARCK, ND 58502-2336
(701) 223-6533
Website:
NCUA Profile:
Charter Date:
1/1/1961
Charter Type:
State
Branches:
2
Branches by Region
ND 2
Financial Overview
Total Assets
$103.73M
Total Deposits
$94.56M
Total Loans
$59.52M
Members
3,683
Employees
16 15 Full-time / 1 Part-time
Allowance for Loan Losses
$531,027
Performance Ratios
Net Worth Ratio
8.32%
Loan-to-Deposit Ratio
62.95%
Coverage Ratio
0.89% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +69.78% Total Deposits: +77.89% Total Loans: +43.17% since 2020 Q1
Member Growth
Member Growth
Members: +10.40% since 2020 Q1
Employee Growth
Employee Growth
Employees: +14.29% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
337
Amount This Year (YTD)
$19.26M
Number of Loans per Quarter
Loans Granted: -10.00% since 2020 Q1
Loan Amount per Quarter
Amount Granted: -36.80% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1st Mortgages
$19.79M 33.3%
Other Secured
$14.73M 24.7%
HELOCs
$6.74M 11.3%
Used Vehicle
$5.53M 9.3%
CRE: Multifamily
$4.32M 7.3%
Commercial & Industrial
$2.11M 3.5%
New Vehicle
$2.01M 3.4%
CRE: Construction
$1.32M 2.2%
CRE: Owner-Occupied
$1.05M 1.8%
CRE: Non-Owner-Occupied
$895,548 1.5%
Credit Card
$523,793 0.9%
Other Unsecured
$415,404 0.7%
CRE: Farmland
$67,834 0.1%
Other Real Estate
$13,700 0.0%
Commercial Unsecured
$4,791 0.0%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 3,683 | $103.73M | $94.56M | $59.52M | 16 |
| 2025 Q3 | 3,680 | $103.06M | $94.21M | $58.57M | 17 |
| 2025 Q2 | 3,697 | $101.62M | $93.08M | $58.27M | 16 |
| 2025 Q1 | 3,698 | $101.81M | $93.30M | $58.52M | 16 |
| 2024 Q4 | 3,684 | $104.19M | $94.10M | $64.46M | 16 |
| 2024 Q3 | 3,696 | $96.18M | $88.06M | $62.81M | 15 |
| 2024 Q2 | 3,688 | $99.87M | $88.83M | $63.07M | 16 |
| 2024 Q1 | 3,673 | $97.29M | $86.34M | $62.20M | 16 |
| 2023 Q4 | 3,656 | $97.12M | $83.67M | $62.19M | 15 |
| 2023 Q3 | 3,624 | $99.08M | $80.06M | $59.43M | 15 |
| 2023 Q2 | 3,582 | $95.15M | $77.82M | $55.23M | 15 |
| 2023 Q1 | 3,552 | $96.02M | $78.43M | $54.75M | 14 |
| 2022 Q4 | 3,556 | $89.10M | $78.77M | $47.40M | 14 |
| 2022 Q3 | 3,559 | $92.57M | $82.38M | $47.97M | 14 |
| 2022 Q2 | 3,540 | $91.67M | $81.68M | $45.41M | 13 |
| 2022 Q1 | 3,516 | $89.21M | $79.47M | $45.81M | 14 |
| 2021 Q4 | 3,529 | $90.21M | $80.50M | $47.64M | 14 |
| 2021 Q3 | 3,542 | $82.46M | $72.92M | $44.61M | 13 |
| 2021 Q2 | 3,515 | $78.92M | $69.86M | $45.29M | 14 |
| 2021 Q1 | 3,463 | $76.57M | $67.81M | $47.78M | 14 |
| 2020 Q4 | 3,430 | $69.87M | $61.20M | $42.37M | 14 |
| 2020 Q3 | 3,399 | $67.92M | $59.47M | $45.07M | 16 |
| 2020 Q2 | 3,366 | $66.57M | $58.44M | $43.79M | 14 |
| 2020 Q1 | 3,336 | $61.09M | $53.15M | $41.57M | 14 |
Interest Rates
Current average rates by loan type
New Vehicle
6.00%
Used Vehicle
8.00%
1st Mortgage (Fixed)
7.25%
HELOC
7.25%
Credit Card
11.90%
Other Unsecured
13.25%