TellerScore

Lisbon Farmers Union Credit Union is a federally insured state-chartered credit union headquartered in Lisbon, North Dakota, in business for about 81 years. At the end of Q2 2026 it reported $4.3M in total assets and $1.6M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Lisbon Farmers Union Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 19th. Its strongest component is capital cushion (100/100; 63.53%), and its lowest is earnings (15/100; -0.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 63.53%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings15/100
Return on assets (annualized): -0.12%
Funding & liquidity50/100
Loans ÷ shares: 136.8% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.49%

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 22 points (92 → 70), mostly because the earnings component weakened by 83 points.

TellerScore
557492Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202477
Q1 202572
Q2 202592
Q3 202582
Q4 202555
Q1 202672
Q2 202670
Net worth ratio
7.00%35.27%63.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202459.09%
Q3 202461.12%
Q4 202460.40%
Q1 202560.81%
Q2 202562.30%
Q3 202561.82%
Q4 202562.35%
Q1 202662.50%
Q2 202663.53%
Delinquent loans (60+ days)
0.00%1.10%2.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.00%
Q4 20240.07%
Q1 20250.07%
Q2 20250.07%
Q3 20250.00%
Q4 20252.20%
Q1 20260.24%
Q2 20260.62%
Return on assets
-1.79%0.08%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20241.36%
Q4 20240.16%
Q1 2025-1.79%
Q2 20251.94%
Q3 20250.72%
Q4 2025-0.35%
Q1 2026-0.37%
Q2 2026-0.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$4.3M63.53%0.62%-0.12%136.8%
Q1 202672$4.4M62.50%0.24%-0.37%127.2%
Q4 202555$4.4M62.35%2.20%-0.35%134.0%
Q3 202582$4.5M61.82%0.00%0.72%130.9%
Q2 202592$4.4M62.30%0.07%1.94%128.9%
Q1 202572$4.5M60.81%0.07%-1.79%132.3%
Q4 202477$4.5M60.40%0.07%0.16%134.4%
Q3 202487$4.5M61.12%0.00%1.36%141.9%
Q2 202486$4.6M59.09%0.06%1.29%134.4%

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 ratio63.53%
100th
Problem loans0.62%
53rd
Net charge-offs0.00%
77th
Return on assets-0.12%
16th
Loans to deposits136.8%
0th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
Tel-U-Watt Federal Credit UnionCredit union Minot, ND70 out of 100, Strong$5.6M9.1%0.00%vs
Northern Sts Pwr Company Emp Federal Credit UnionCredit union Grand Forks, ND77 out of 100, Strong$1.5M10.8%0.00%vs
Cce Federal Credit UnionCredit union Fargo, ND72 out of 100, Strong$14.0M18.5%3.34%vs
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Minot Area Schools Federal Credit UnionCredit union Minot, ND69 out of 100, Moderate$14.8M9.0%0.06%vs

Deposit insurance

Is my money safe at Lisbon Farmers Union Credit Union?

Yes. Lisbon Farmers Union Credit Union is a federally insured credit union (NCUA charter #64688). 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 63.53%, 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

Lisbon Farmers Union Credit Union lists 1 office in 1 city. Most locations:

  • Enderlin, ND (1)

All branch addresses and map

Identity & history

Profile

Legal name
Lisbon Farmers Union Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64688
RSSD ID
840390
Primary regulator
State + NCUA
Established
1945
Headquarters
Po Box Ab, Lisbon, ND 58054
Employees
2

Quick answers

Lisbon Farmers Union Credit Union: common questions

Is Lisbon Farmers Union Credit Union NCUA insured?

Yes. Lisbon Farmers Union Credit Union is a federally insured credit union (NCUA charter #64688). 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 Lisbon Farmers Union Credit Union's TellerScore?

70 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 Lisbon Farmers Union Credit Union have?

1 office as of the latest NCUA data.