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Overview / Commentary
2800 S Washington St
Grand Forks, ND 58201

Area Community Credit Union is headquartered in Grand Forks and is the 23rd largest credit union in the state of North Dakota. It is also the 3,347th largest credit union in the nation. It was established in 1964 and as of March of 2016, it had grown to 6 employees and 2,442 members at 1 location. Area Community Credit Union has a B health rating.

Field of Membership Restrictions

Area Community CU is open to anyone who resides or works within a 50-mile radius of the Area Community CU office.
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Health
B
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Area Community Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #64294
Year Chartered1964
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD7.04%
Annual Interest Income$180.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$21.9MM$21.9MM
LoansQ1 2016vs Q1 2015$12.0MM$11.6MM
DepositsQ1 2016vs Q1 2015$18.5MM$18.7MM
Equity CapitalQ1 2016vs Q1 2015$3.4MM$3.1MM
Loan Loss AllowanceQ1 2016vs Q1 2015$222.00K$217.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$144.00K$148.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates

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Locations


Area Community Credit Union Locations
Branch Office2800 S Washington StGrand Forks, ND 58201