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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 3,193rd largest credit union in the nation. It was established in 1940 and as of March of 2017, it had grown to 5 employees and 1,855 members at 1 location. G.E.M. Federal Credit Union has a C+ 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 - YTD-0.84%
Return on Equity - YTD-10.16%
Annual Interest Income$162.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$24.7MM$24.1MM
LoansQ1 2017vs Q1 2016$10.9MM$10.7MM
DepositsQ1 2017vs Q1 2016$22.6MM$22.0MM
Equity CapitalQ1 2017vs Q1 2016$2.0MM$2.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$84.00K$48.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$245.00K$106.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0

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