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Overview / Commentary
2401 N Broadway
MINOT, ND 58703

G.E.M. Federal Credit Union is headquartered in MINOT and is the 21st largest credit union in the state of North Dakota. It is also the 3,158th largest credit union in the nation. It was established in 1940 and as of December of 2016, it had grown to 5 employees and 1,846 members at 1 location. G.E.M. Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership in G.E.M. Federal Credit Union is open to city, county, state and federal employees in Minot, North Dakota.
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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. G.E.M. Federal Credit Union has a low asset base.

Health Grade Components

NCUA #3660
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.76%
Annual Interest Income$637.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$24.8MM$24.2MM
LoansQ4 2016vs Q4 2015$10.9MM$10.8MM
DepositsQ4 2016vs Q4 2015$22.6MM$22.1MM
Equity CapitalQ4 2016vs Q4 2015$2.1MM$2.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$65.00K$50.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$79.00K$94.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

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G.E.M. Federal Credit Union Locations
Branch Office2401 N BroadwayMINOT, ND 58703