TellerScore

Aspire Community Federal Credit Union (NCUA charter #1888) is based in Minot, North Dakota. Its Q2 2026 call report shows $181.6M in total assets and $154.9M in member shares and deposits and 1 office.

Aspire Community Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 29 credit unions headquartered in North Dakota, it ranks 5th. Capital cushion contributes the most (100/100, 15.59%); funding & liquidity contributes the least (63/100, 97% loans-to-deposits, 11% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.59%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.41%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity63/100
Loans ÷ shares: 97.5% · 10.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.19%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 87).

TellerScore
818589Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202483
Q1 202583
Q2 202586
Q3 202581
Q4 202585
Q1 202689
Q2 202687
Net worth ratio
7.00%11.29%15.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.22%
Q3 202414.43%
Q4 202414.41%
Q1 202514.61%
Q2 202514.87%
Q3 202514.96%
Q4 202514.96%
Q1 202615.21%
Q2 202615.59%
Delinquent loans (60+ days)
0.05%0.37%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.20%
Q4 20240.28%
Q1 20250.32%
Q2 20250.09%
Q3 20250.69%
Q4 20250.30%
Q1 20260.05%
Q2 20260.41%
Return on assets
1.11%1.34%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.32%
Q3 20241.17%
Q4 20241.13%
Q1 20251.11%
Q2 20251.11%
Q3 20251.17%
Q4 20251.12%
Q1 20261.40%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$181.6M15.59%0.41%1.57%97.5%
Q1 202689$180.9M15.21%0.05%1.40%95.7%
Q4 202585$179.7M14.96%0.30%1.12%96.8%
Q3 202581$176.6M14.96%0.69%1.17%97.2%
Q2 202586$173.8M14.87%0.09%1.11%97.9%
Q1 202583$173.5M14.61%0.32%1.11%97.8%
Q4 202483$172.6M14.41%0.28%1.13%98.0%
Q3 202484$169.3M14.43%0.20%1.17%99.3%
Q2 202483$169.1M14.22%0.33%1.32%99.3%

1,341 peers · $100 million – $1 billion

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).

Capital ratio15.59%
88th
Problem loans0.41%
73rd
Net charge-offs0.02%
96th
Return on assets1.57%
90th
Loans to deposits97.5%
5th
Uninsured deposits10.8%
14th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Railway Credit UnionCredit union Mandan, ND74 out of 100, Strong$211.6M12.1%0.50%vs
Hometown Credit UnionCredit union Kulm, ND58 out of 100, Moderate$223.1M15.6%6.81%vs
United Savings Credit UnionCredit union Fargo, ND50 out of 100, Below average$125.2M12.7%2.88%vs
Vue Community Credit UnionCredit union Bismarck, ND44 out of 100, Below average$106.3M8.6%2.99%vs
Dakota West Credit UnionCredit union Watford City, ND61 out of 100, Moderate$326.5M14.2%3.14%vs

Deposit insurance

Is my money safe at Aspire Community Federal Credit Union?

Yes. Aspire Community Federal Credit Union is a federally insured credit union (NCUA charter #1888). 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 10.8% of shares and deposits ($16.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Aspire Community Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Aspire Community Federal Credit Union reported 150 home-loan applications under HMDA (LEI 25490041EP8QZWCBA097): 145 originated ($31,725,000 total), 5 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Aspire Community Federal Credit Union
Type
Federal credit union
NCUA charter #
1888
RSSD ID
191074
Primary regulator
NCUA
Established
1937
Headquarters
Po Box 3160, Minot, ND 58701
Employees
22

Quick answers

Aspire Community Federal Credit Union: common questions

Is Aspire Community Federal Credit Union NCUA insured?

Yes. Aspire Community Federal Credit Union is a federally insured credit union (NCUA charter #1888). 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 Aspire Community Federal Credit Union's TellerScore?

87 out of 100 (Very 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 Aspire Community Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Minot

InstitutionScoreAssetsCapitalProblem loansCompare
Affinity First Federal Credit UnionCredit union Minot, ND88 out of 100, Very strong$70.8M13.8%0.30%vs
Peoples State Bank of VelvaBank Velva, ND73 out of 100, Strong$210.0M9.3%0.10%vs
Tel-U-Watt Federal Credit UnionCredit union Minot, ND70 out of 100, Strong$5.6M9.1%0.00%vs
Minot Area Schools Federal Credit UnionCredit union Minot, ND69 out of 100, Moderate$14.8M9.0%0.06%vs
Credit Union 1Credit union Lombard, IL68 out of 100, Moderate$2.9B10.9%1.35%vs
Bravera BankBank Dickinson, ND67 out of 100, Moderate$3.8B9.7%0.90%vs