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Overview / Commentary
P.O. Box 3160
Minot, ND 58701

Prairie Credit Union is headquartered in MINOT and is the 10st largest credit union in the state of North Dakota. It is also the 1,458th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 16 employees and 8,110 members. Prairie Credit Union's savings rates are 94% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Bottineau, McHenry, McLean, Mountrial, Renville or Ward County. - 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 Prairie Credit Union had $189,000 in non-current loans and owned real-estate with $11.8 million in equity and loan loss allowances on hand to cover it. This gives Prairie Credit Union a Texas Ratio of 1.60% 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 Prairie Credit Union experienced no significant changes from 1.67% as of March 31, 2013 to 1.60% as of March 31, 2014, resulting in a positive change of 4.00%.This indicates that the balance sheet and financial strength for Prairie Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Prairie Credit Union has increased its total deposits by $1.29 million, resulting in 1.38% 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 Prairie Credit Union has shown is above average.



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. Prairie Credit Union has $106.56 million in assets with $11.8 million in equity, resulting in a capitalization level of 11.07%, which is excellent.

Institution Statistics

NCUA #1888
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$106.56 million
Loans$75.65 million
Deposits$94.90 million
Equity Capital$11.31 million
Loan Loss Allowance$483,000
Unbacked Noncurrent Loans$189,000
Real Estate Owned$0
Historic Data - March 2013
Assets$104.28 million
Equity Capital$10.29 million
Loan Loss Allowance$499,000
Unbacked Noncurrent Loans$189,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.76%
Return on Equity7.18%
Interest Income$875,000
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Prairie Credit Union Savings Account Rates

1.01%--IRA Daily
0.10%$15-Regular Shares
0.10%--Secondary Shares
0.10%--Vacation Club
0.10%--Christmas Club

Prairie Credit Union Checking Account Rates

0.05%--Dividend Bearing Share Drafts

Prairie Credit Union CD Rates

1.45%$10k-60 Month CD
1.15%$10k-48 Month CD
0.90%$10k-36 Month CD
0.65%$10k-24 Month CD
0.50%$5k-18 Month CD Special
0.45%$10k-12 Month CD
0.30%$10k-6 Month CD

Prairie Credit Union IRA Rates

1.45%$500-60 Month IRA
1.15%$500-48 Month IRA
0.90%$500-36 Month IRA
0.65%$500-24 Month IRA
0.50%$5k-18 Month IRA Special
0.45%$500-12 Month IRA
0.30%$500-6 Month IRA

Prairie Credit Union Locations
Branch Office1430 S BROADWAYMINOT, ND 58701-5933