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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 19th largest credit union in the state of North Dakota. It is also the 3,101st largest credit union in the nation. It was established in 1940 and as of December of 2017, it had grown to 5 employees and 1,824 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 - YTD0.32%
Return on Equity - YTD3.76%
Annual Interest Income$678.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$25.8MM$24.8MM
LoansQ4 2017vs Q4 2016$11.2MM$10.9MM
DepositsQ4 2017vs Q4 2016$23.5MM$22.6MM
Equity CapitalQ4 2017vs Q4 2016$2.2MM$2.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$122.00K$65.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$265.00K$79.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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