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Overview / Commentary
818 E Main Ave
Bismarck, ND 58501-4526

Vue Community Credit Union is headquartered in Bismarck and is the 15st largest credit union in the state of North Dakota. It is also the 2,342nd largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 13 employees and 3,547 members. Vue Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Open to organizations and persons living within a 75-mile radius of Bismarck-Mandan and their immediate families. - 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. Vue Community 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 Vue Community Credit Union had $5,000 in non-current loans and owned real-estate with $5.57 million in equity and loan loss allowances on hand to cover it. This gives Vue Community Credit Union a Texas Ratio of 0.09% 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 Vue Community Credit Union decreased dramatically from 1.19% as of March 31, 2013 to 0.09% as of March 31, 2014, resulting in a positive change of 92.43%.This indicates that the balance sheet and financial strength for Vue Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Vue Community Credit Union has increased its total deposits by $3.8 million, resulting in 9.79% 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 Vue 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. Vue Community Credit Union has $48.22 million in assets with $5.57 million in equity, resulting in a capitalization level of 11.54%, which is excellent.

Institution Statistics

NCUA #64408
Year Chartered1961
Primary Regulator
Assets and Liabilities
Assets$48.22 million
Loans$23.58 million
Deposits$42.64 million
Equity Capital$5.39 million
Loan Loss Allowance$176,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Historic Data - March 2013
Assets$44.11 million
Equity Capital$5.13 million
Loan Loss Allowance$176,000
Unbacked Noncurrent Loans$5,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.44%
Return on Equity3.93%
Interest Income$351,000

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Vue Community Credit Union Savings Account Rates

0.10%--Regular Shares
0.10%--Christmas Club Account

Vue Community Credit Union Money Market Rates

0.35%$100k-Money Market Rates

Vue Community Credit Union Checking Account Rates

0.05%$1k-Interest Bearing Checking

Vue Community Credit Union CD Rates

1.10%$1k-48 Month CD
0.60%$1k-30 Month CD
0.30%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$1k-3 Month CD

Vue Community Credit Union Locations
Branch Office818 E Main AveBismarck, ND 585014526
Branch Office1655 N Grandview Ln Ste 106Bismarck, ND 58503