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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 3,210th largest credit union in the nation. It was established in 1940 and as of June of 2016, it had grown to 5 employees and 1,868 members at 1 location. G.E.M. Federal Credit Union has a C health rating.

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Health
C
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

Overall
NCUA #3660
Year Chartered1940
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD5.16%
Annual Interest Income$312.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$24.1MM$25.0MM
LoansQ2 2016vs Q2 2015$11.0MM$11.2MM
DepositsQ2 2016vs Q2 2015$22.0MM$23.1MM
Equity CapitalQ2 2016vs Q2 2015$2.1MM$1.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$50.00K$50.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$289.00K$32.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates

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Locations


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