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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 20th largest credit union in the state of North Dakota. It is also the 3,205th largest credit union in the nation. It was established in 1940 and as of September of 2016, it had grown to 5 employees and 1,861 members at 1 location. G.E.M. Federal Credit Union has a C+ health rating.


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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 - YTD0.45%
Return on Equity - YTD5.19%
Annual Interest Income$474.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$24.2MM$23.9MM
LoansQ3 2016vs Q3 2015$10.9MM$11.4MM
DepositsQ3 2016vs Q3 2015$22.1MM$21.9MM
Equity CapitalQ3 2016vs Q3 2015$2.1MM$1.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$50.00K$50.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$186.00K$150.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0

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