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Overview / Commentary
1117 Highway 2 E
Devils Lake, ND 58301

Citizens Community Credit Union is headquartered in Devils Lake and is the 8th largest credit union in the state of North Dakota. It is also the 1,145th largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 43 employees and 9,823 members. Citizens Community Credit Union's savings rates are 54% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must live in Devils Lake, Bisbee, Fort Totten, Lakota, Larimore, Northwood or Grand Forks. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citizens Community Credit Union had $470,000 in non-current loans and owned real-estate with $18.64 million in equity and loan loss allowances on hand to cover it. This gives Citizens Community Credit Union a Texas Ratio of 2.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citizens Community Credit Union experienced no significant changes from 2.33% as of March 31, 2013 to 2.52% as of March 31, 2014, resulting in a negative change of 8.33%. This indicates that the balance sheet and financial strength for Citizens Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Citizens Community Credit Union has increased its total deposits by $10.38 million, resulting in 8.51% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Community Credit Union has $151.5 million in assets with $18.64 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

Institution Statistics

NCUA #60600
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$151.50 million
Loans$122.05 million
Deposits$132.27 million
Equity Capital$17.67 million
Loan Loss Allowance$976,000
Unbacked Noncurrent Loans$313,000
Real Estate Owned$157,000
Historic Data - March 2013
Assets$138.88 million
Equity Capital$15.57 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$313,000
Real Estate Owned$109,000
Profit Margin - Quarterly
Net Interest Margin1.06%
Return on Assets1.4%
Return on Equity11.98%
Interest Income$1.52 million

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Citizens Community Credit Union Savings Account Rates

0.80%$50k-IRA Savings Account
0.80%$50k-Roth IRA Savings Account
0.80%$50k-Coverdell ESA
0.75%-$20kKasasa Saver - Qualifying
0.01%$25-Membership Savings
0.01%$100-Daily Savings
0.01%--Kasasa Saver - Non Qualifying

Citizens Community Credit Union Money Market Rates

0.40%$100k-Money Market Savings

Citizens Community Credit Union Checking Account Rates

2.00%-$10kKasasa Cash - Qualifying
0.01%--Kasasa Cash - Non Qualifying

Citizens Community Credit Union CD Rates

1.50%$500-4 Year TLT CD
1.45%$1k-5 Year CD
1.10%$1k-4 Year CD
0.85%$1k-3 Year CD
0.70%$1k-30 Month CD
0.60%$1k-2 Year CD
0.60%$100-1 Year TLT CD
0.45%$1k-18 Month CD
0.35%$1k-1 Year CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Citizens Community Credit Union IRA Rates

1.20%$5k-3 Year IRA
0.70%$5k-1 Year IRA

Citizens Community Credit Union Locations
Branch Office2551 32nd Ave S Ste BGrand Forks, ND 58201
Branch Office217 Towner AveLarimore, ND 58251
Branch Office1925 13th Ave NGrand Forks, ND 58203
Branch Office231 Foussard Ave SWSt John, ND 58369
Branch Office513 Washington AveNorthwood, ND 58267
Branch Office1215 N 42nd StGrand Forks, ND 58203
Branch Office204 Main StBisbee, ND 58317
Branch Office1117 Highway 2 EDevils Lake, ND 58301
Branch Office201 N Main StLakota, ND 58344