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P.O. Box 178
Lamoure, ND 58458

Lamoure Credit Union is headquartered in LaMoure and is the 19st largest credit union in the state of North Dakota. It is also the 3,215st largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 5 employees and 1,417 members. Lamoure Credit Union has a B+ health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Lamoure Credit Union has a low asset base.

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 Lamoure Credit Union had $0 in non-current loans and owned real-estate with $2.24 million in equity and loan loss allowances on hand to cover it. This gives Lamoure Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Lamoure Credit Union has increased its total deposits by $1.12 million, resulting in 5.12% 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 Lamoure 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. Lamoure Credit Union has $25.14 million in assets with $2.24 million in equity, resulting in a capitalization level of 8.92%, which is average.

Institution Statistics

NCUA #62218
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$25.14 million
Loans$16.42 million
Deposits$22.98 million
Equity Capital$2.14 million
Loan Loss Allowance$100,000
Real Estate Owned$0
Historic Data - March 2013
Assets$23.80 million
Equity Capital$1.89 million
Loan Loss Allowance$100,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.92%
Return on Equity10.83%
Interest Income$187,000

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Lamoure Credit Union Locations
Branch Office203 7th St SELaMoure, ND 58458