TellerScore

Lamoure Credit Union is a federally insured state-chartered credit union headquartered in Lamoure, North Dakota, in business for about 86 years. At the end of Q2 2026 it reported $38.8M in total assets and $31.4M in member shares and deposits, with 2 offices across 2 states.

Lamoure Credit Union has a TellerScore of 98 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 1st. Capital cushion contributes the most (100/100, 18.93%); earnings contributes the least (91/100, 1.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.93%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings91/100
Return on assets (annualized): 1.76%
Funding & liquidity100/100
Loans ÷ shares: 58.2% · 12.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 fell 2 points (100 → 98), mostly because the earnings component weakened by 9 points.

TellerScore
9698100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 2024100
Q3 202499
Q4 2024100
Q1 202599
Q2 2025100
Q3 2025100
Q4 202596
Q1 202696
Q2 202698
Net worth ratio
7.00%12.96%18.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202417.02%
Q3 202417.64%
Q4 202416.51%
Q1 202517.02%
Q2 202518.22%
Q3 202518.65%
Q4 202517.53%
Q1 202617.64%
Q2 202618.93%
Delinquent loans (60+ days)
0.00%0.08%0.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.15%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.55%2.48%3.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20243.42%
Q3 20243.13%
Q4 20242.56%
Q1 20252.08%
Q2 20252.22%
Q3 20252.20%
Q4 20251.84%
Q1 20261.55%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$38.8M18.93%0.00%1.76%58.2%
Q1 202696$40.6M17.64%0.00%1.55%51.1%
Q4 202596$39.9M17.53%0.00%1.84%54.5%
Q3 2025100$36.9M18.65%0.00%2.20%59.0%
Q2 2025100$36.6M18.22%0.00%2.22%57.6%
Q1 202599$38.0M17.02%0.00%2.08%52.3%
Q4 2024100$37.9M16.51%0.00%2.56%54.4%
Q3 202499$34.6M17.64%0.15%3.13%60.9%
Q2 2024100$34.6M17.02%0.00%3.42%59.4%

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).

Capital ratio18.93%
74th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.76%
91st
Loans to deposits58.2%
51st
Uninsured deposits12.5%
4th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
University Federal Credit UnionCredit union Grand Forks, ND91 out of 100, Very strong$46.1M14.4%0.72%vs
Riverfork Federal Credit UnionCredit union Grand Forks, ND78 out of 100, Strong$31.2M13.9%0.70%vs
Postal Family Federal Credit UnionCredit union Fargo, ND74 out of 100, Strong$30.2M10.5%0.19%vs
Area Community Credit UnionCredit union Grand Forks, ND72 out of 100, Strong$27.7M18.8%1.54%vs
Northern Valley Federal Credit UnionCredit union Grand Forks, ND84 out of 100, Strong$20.3M13.3%0.04%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs

Deposit insurance

Is my money safe at Lamoure Credit Union?

Yes. Lamoure Credit Union is a federally insured credit union (NCUA charter #62218). 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 12.5% of shares and deposits ($3.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Lamoure Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lamoure Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62218
RSSD ID
772697
Primary regulator
State + NCUA
Established
1940
Headquarters
Po Box 178, Lamoure, ND 58458
Employees
5

Quick answers

Lamoure Credit Union: common questions

Is Lamoure Credit Union NCUA insured?

Yes. Lamoure Credit Union is a federally insured credit union (NCUA charter #62218). 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 Lamoure Credit Union's TellerScore?

98 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 Lamoure Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lamoure

InstitutionScoreAssetsCapitalProblem loansCompare
Choice Financial GroupBank Fargo, ND73 out of 100, Strong$6.4B10.8%0.68%vs
BankNorthBank Arthur, ND72 out of 100, Strong$694.1M10.3%0.58%vs
First Community Credit UnionCredit union Jamestown, ND71 out of 100, Strong$1.5B12.3%0.61%vs
Dakota Plains Credit UnionCredit union Edgeley, ND67 out of 100, Moderate$93.3M12.3%0.96%vs
Starion BankBank Bismarck, ND56 out of 100, Moderate$2.1B9.4%1.45%vs