Overview / Commentary
120 Spruce St
Kindred, ND 58051

Elm River Credit Union is headquartered in Kindred and is the 23rd largest credit union in the state of North Dakota. It is also the 3,230th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 6 employees and 1,435 members at 2 locations. Elm River Credit Union's CD rates are 67% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Elm River Credit Union of North Dakota is open to anyone within a 75-mile distance of Paige, ND in any direction, including the towns of Fargo, Grand Forks, Wahpeton, Valley City, and Jamestown.
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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. Elm River Credit Union has a low asset base.

Health Grade Components

NCUA #64444
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD6.31%
Annual Interest Income$436.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$22.9MM$22.3MM
LoansQ2 2018vs Q2 2017$18.0MM$18.7MM
DepositsQ2 2018vs Q2 2017$18.9MM$18.5MM
Equity CapitalQ2 2018vs Q2 2017$3.9MM$3.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$146.00K$145.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$0$35.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Elm River Credit Union Savings Account Rates

1.00%--IRA Savings
0.15%--Christmas Club
0.10%--Daily Deposit
0.05%--Share Savings

Elm River Credit Union Money Market Rates

0.30%*$50k*-Money Market
OTHER TIERS: 0.20% $2.5k - $50k

Elm River Credit Union CD Rates

1.75%$1k-24 Month CD
1.50%$1k-12 Month CD
0.70%$1k-6 Month CD

Elm River Credit Union Locations
Branch OfficeElm River Credit Union 115 Morton AvePage, ND 58064-0033
Branch OfficeElm River Credit Union 120 Spruce StKindred, ND 58051

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