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Overview / Commentary
120 Spruce St
Kindred, ND 58051

Elm River Credit Union is headquartered in Kindred and is the 25th largest credit union in the state of North Dakota. It is also the 3,349th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 6 employees and 1,481 members at 2 locations. Elm River Credit Union 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 - YTD1.1%
Return on Equity - YTD6.92%
Annual Interest Income$435.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$21.5MM$21.8MM
LoansQ2 2016vs Q2 2015$18.2MM$19.3MM
DepositsQ2 2016vs Q2 2015$18.0MM$17.8MM
Equity CapitalQ2 2016vs Q2 2015$3.4MM$3.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$130.00K$103.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$7.00K$0
Real Estate OwnedQ2 2016vs Q2 2015$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
0.20%--Christmas Club
0.15%--Daily Deposit
0.10%--Share Savings

Elm River Credit Union Money Market Rates

0.30%*$50k*-Money Market
OTHER TIERS: 0.20% $2,500 - $50k

Elm River Credit Union CD Rates

0.80%$1k-24 Month CD
0.50%$1k-12 Month CD
0.30%$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