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North Dakota Credit Union Performance
How the 29 credit unions based in North Dakota are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
North Dakota's 29 credit unions serve 214,709 members and hold $6.06B in combined assets. The median North Dakota credit union earned a 0.90% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among North Dakota credit unions was -0.39%, compared with -0.55% nationally. Median one-year asset growth was 2.56%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
North Dakota at a glance
North Dakota vs. the United States
System totals are the sum of every credit union based in North Dakota. The share column is North Dakota's portion of the national figure.
| Measure | North Dakota | United States | North Dakota share |
|---|---|---|---|
| Credit unions | 29 | 4,335 | 0.7% |
| Members | 214,709 | 147,031,529 | 0.1% |
| Residents (population) | 796,568 | 340,110,988 | 0.2% |
| Total assets | $6.06B | $2,507.50B | 0.2% |
| Total loans | $4.03B | $1,744.86B | 0.2% |
| Total shares & deposits | $5.04B | $2,143.21B | 0.2% |
| Total net worth | $793.5M | $282.23B | 0.3% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. North Dakota credit unions report about 27 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large North Dakota credit unions serve members in other states, so it overstates true in-state penetration.)
The median North Dakota credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median North Dakota CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.90% | 0.66% |
| Net worth ratio | 13.39% | 12.44% |
| Loan-to-share ratio | 74.31% | 67.86% |
| Delinquency ratio | 0.24% | 0.63% |
| Net charge-off ratio | 0.09% | 0.33% |
| Cost of funds | 1.28% | 1.05% |
| Member growth (1 yr) | -0.39% | -0.55% |
| Asset growth (1 yr) | 2.56% | 2.78% |
| Loan growth (1 yr) | -1.18% | 0.63% |
| Share growth (1 yr) | 2.15% | 2.36% |
| Net worth growth (1 yr) | 7.10% | 5.57% |
Trends over time
The median North Dakota credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.87% · 0.72%
— North Dakota ‑‑ U.S.
Net worth ratio 13.24% · 12.46%
— North Dakota ‑‑ U.S.
Loan-to-share ratio 69.86% · 69.70%
— North Dakota ‑‑ U.S.
Delinquency ratio 0.52% · 0.72%
— North Dakota ‑‑ U.S.
Asset growth (1 yr) 3.08% · 3.26%
— North Dakota ‑‑ U.S.
Member growth (1 yr) -0.51% · -0.52%
— North Dakota ‑‑ U.S.
North Dakota leaderboards
Largest by assets
- 1 First Community Credit Union $1.53B
- 2 New Salem Credit Union $907.8M
- 3 Town and Country Credit Union $781.6M
- 4 Western Cooperative Credit Union $521.5M
- 5 Northstar Community Credit Union $470.6M
- 6 Dakota West Credit Union $339.2M
- 7 Hometown Credit Union $219.3M
- 8 Mandan Railway Employees Credit Union $207.3M
- 9 Prairie Credit Union $180.9M
- 10 Community Credit Union $178.3M
Highest return on assets
- 1 Hometown Credit Union 1.45%
- 2 Community Credit Union 1.44%
- 3 Western Cooperative Credit Union 1.43%
- 4 Prairie Credit Union 1.43%
- 5 Northstar Community Credit Union 1.20%
- 6 St. Alexius Medical Center Credit Union 1.15%
- 7 Triniservice Credit Union 1.12%
- 8 New Salem Credit Union 1.00%
- 9 Town and Country Credit Union 0.90%
- 10 Mandan Railway Employees Credit Union 0.87%
Fastest-growing (organic)
- 1 First Community Credit Union 15.15%
- 2 Mandan Railway Employees Credit Union 9.24%
- 3 New Salem Credit Union 8.50%
- 4 Town and Country Credit Union 6.65%
- 5 Triniservice Credit Union 5.91%
- 6 Western Cooperative Credit Union 4.29%
- 7 Prairie Credit Union 4.26%
- 8 United Savings Credit Union 3.64%
- 9 St. Alexius Medical Center Credit Union 3.39%
- 10 Dakota Plains Credit Union 2.01%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in North Dakota that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.