Area Community Credit Union is a federally insured state-chartered credit union headquartered in Grand Forks, North Dakota, in business for about 62 years. At the end of Q2 2026 it reported $27.7M in total assets and $22.4M in member shares and deposits, with 1 office.
Area Community Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 15th. Capital cushion contributes the most (100/100, 18.83%); earnings contributes the least (41/100, 0.52%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (65 → 72), mostly because the earnings component improved by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 71 |
| Q4 2024 | 59 |
| Q1 2025 | 60 |
| Q2 2025 | 65 |
| Q3 2025 | 65 |
| Q4 2025 | 68 |
| Q1 2026 | 71 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.00% |
| Q3 2024 | 19.94% |
| Q4 2024 | 19.51% |
| Q1 2025 | 19.07% |
| Q2 2025 | 18.78% |
| Q3 2025 | 18.83% |
| Q4 2025 | 19.04% |
| Q1 2026 | 18.66% |
| Q2 2026 | 18.83% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 1.39% |
| Q4 2024 | 2.40% |
| Q1 2025 | 1.84% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.58% |
| Q4 2025 | 1.50% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.54% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.53% |
| Q4 2024 | 0.07% |
| Q1 2025 | -0.51% |
| Q2 2025 | -0.49% |
| Q3 2025 | -0.27% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $27.7M | 18.83% | 1.54% | 0.52% | 75.2% |
| Q1 2026 | 71 | $27.7M | 18.66% | 1.34% | 0.19% | 74.3% |
| Q4 2025 | 68 | $27.1M | 19.04% | 1.50% | 0.01% | 76.9% |
| Q3 2025 | 65 | $27.1M | 18.83% | 1.58% | -0.27% | 76.3% |
| Q2 2025 | 65 | $27.1M | 18.78% | 1.40% | -0.49% | 76.5% |
| Q1 2025 | 60 | $26.9M | 19.07% | 1.84% | -0.51% | 79.8% |
| Q4 2024 | 59 | $26.5M | 19.51% | 2.40% | 0.07% | 86.2% |
| Q3 2024 | 71 | $26.4M | 19.94% | 1.39% | 0.53% | 90.4% |
| Q2 2024 | 75 | $26.5M | 20.00% | 0.94% | 0.49% | 92.4% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Postal Family Federal Credit UnionCredit union Fargo, ND | 74 out of 100, Strong | $30.2M | 10.5% | 0.19% | vs |
| Riverfork Federal Credit UnionCredit union Grand Forks, ND | 78 out of 100, Strong | $31.2M | 13.9% | 0.70% | vs |
| Northern Valley Federal Credit UnionCredit union Grand Forks, ND | 84 out of 100, Strong | $20.3M | 13.3% | 0.04% | vs |
| Med Park Credit UnionCredit union Grand Forks, ND | 86 out of 100, Very strong | $18.1M | 16.5% | 0.04% | vs |
| Lamoure Credit UnionCredit union Lamoure, ND | 98 out of 100, Very strong | $38.8M | 18.9% | 0.00% | vs |
| Minot Area Schools Federal Credit UnionCredit union Minot, ND | 69 out of 100, Moderate | $14.8M | 9.0% | 0.06% | vs |
Deposit insurance
Is my money safe at Area Community Credit Union?
Yes. Area Community Credit Union is a federally insured credit union (NCUA charter #64294). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 18.83%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Area Community Credit Union lists 1 office in 1 city. Most locations:
- Grand Forks, ND (1)
Identity & history
Profile
- Legal name
- Area Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64294
- RSSD ID
- 202194
- Primary regulator
- State + NCUA
- Established
- 1964
- Headquarters
- 2800 S Washington St, Grand Forks, ND 58201
- Employees
- 9
Quick answers
Area Community Credit Union: common questions
Is Area Community Credit Union NCUA insured?
Yes. Area Community Credit Union is a federally insured credit union (NCUA charter #64294). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Area Community Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Area Community Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Grand Forks
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| University Federal Credit UnionCredit union Grand Forks, ND | 91 out of 100, Very strong | $46.1M | 14.4% | 0.72% | vs |
| Med Park Credit UnionCredit union Grand Forks, ND | 86 out of 100, Very strong | $18.1M | 16.5% | 0.04% | vs |
| Northern Valley Federal Credit UnionCredit union Grand Forks, ND | 84 out of 100, Strong | $20.3M | 13.3% | 0.04% | vs |
| Riverfork Federal Credit UnionCredit union Grand Forks, ND | 78 out of 100, Strong | $31.2M | 13.9% | 0.70% | vs |
| Northern Sts Pwr Company Emp Federal Credit UnionCredit union Grand Forks, ND | 77 out of 100, Strong | $1.5M | 10.8% | 0.00% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |