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Overview / Commentary
220 10th st n
Fargo, ND 58102

United Savings CU (ND) is headquartered in Fargo and is the 16st largest credit union in the state of North Dakota. It is also the 2,605th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 14 employees and 4,106 members. United Savings CU (ND) has a B+ health rating.

Field of Membership Restrictions

Must live or work in Cass or Ransom County in North Dakota or Clay or selected part of Ottertail County in Minnesota. - See Details

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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. United Savings CU (ND) 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 United Savings CU (ND) had $79,000 in non-current loans and owned real-estate with $8.14 million in equity and loan loss allowances on hand to cover it. This gives United Savings CU (ND) a Texas Ratio of 0.97% 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 United Savings CU (ND) decreased dramatically from 4.23% as of March 31, 2013 to 0.97% as of March 31, 2014, resulting in a positive change of 77.05%.This indicates that the balance sheet and financial strength for United Savings CU (ND) has improved dramatically in recent periods.

Deposit Growth


In the past year, United Savings CU (ND) has increased its total deposits by $839,000, resulting in 2.71% 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 United Savings CU (ND) 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. United Savings CU (ND) has $39.7 million in assets with $8.14 million in equity, resulting in a capitalization level of 20.52%, which is excellent.

Institution Statistics

NCUA #65578
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$39.70 million
Loans$27.27 million
Deposits$31.82 million
Equity Capital$7.66 million
Loan Loss Allowance$488,000
Unbacked Noncurrent Loans$79,000
Real Estate Owned$0
Historic Data - March 2013
Assets$38.71 million
Equity Capital$7.31 million
Loan Loss Allowance$500,000
Unbacked Noncurrent Loans$79,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.36%
Return on Assets0.6%
Return on Equity3.13%
Interest Income$409,000
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United Savings CU (ND) Savings Account Rates

0.10%$25-Regular Share Account

United Savings CU (ND) Money Market Rates

0.30%$100k-Money Market Share Account

United Savings CU (ND) IRA Rates

0.30%$100k-IRA Share Account

United Savings CU (ND) Locations
Branch Office220 10th st nFargo, ND 58102
Branch Office2401 45th St SFargo, ND 58104
Branch Office1407 W Highway 10Dilworth, MN 56529