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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 24th largest credit union in the state of North Dakota. It is also the 3,268th largest credit union in the nation. It was established in 1964 and as of March of 2017, it had grown to 6 employees and 2,359 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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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

NCUA #64294
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD4.02%
Annual Interest Income$189.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$23.3MM$21.9MM
LoansQ1 2017vs Q1 2016$13.3MM$12.0MM
DepositsQ1 2017vs Q1 2016$19.6MM$18.5MM
Equity CapitalQ1 2017vs Q1 2016$3.6MM$3.4MM
Loan Loss AllowanceQ1 2017vs Q1 2016$223.00K$222.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$189.00K$144.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0

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