TellerScore

Riverfork Federal Credit Union is a federal credit union headquartered in Grand Forks, North Dakota, in business for about 67 years. At the end of Q2 2026 it reported $31.2M in total assets and $26.7M in member shares and deposits, with 4 offices across 3 states.

Riverfork Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 11th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 3% uninsured); earnings contributes the least (39/100, 0.48%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.91%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity100/100
Loans ÷ shares: 45.6% · 3.3% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.95%

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 12 points (66 → 78), mostly because the loan quality component improved by 41 points.

TellerScore
576878Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202458
Q4 202465
Q1 202557
Q2 202566
Q3 202573
Q4 202573
Q1 202674
Q2 202678
Net worth ratio
7.00%10.63%14.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.57%
Q3 202413.89%
Q4 202414.01%
Q1 202513.72%
Q2 202513.74%
Q3 202513.58%
Q4 202513.77%
Q1 202614.26%
Q2 202613.91%
Delinquent loans (60+ days)
0.70%2.00%3.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.08%
Q3 20243.31%
Q4 20242.49%
Q1 20252.16%
Q2 20251.92%
Q3 20251.48%
Q4 20251.73%
Q1 20261.27%
Q2 20260.70%
Return on assets
-0.58%0.38%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20240.62%
Q4 20240.80%
Q1 2025-0.58%
Q2 20250.37%
Q3 20250.80%
Q4 20250.94%
Q1 20260.38%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$31.2M13.91%0.70%0.48%45.6%
Q1 202674$31.0M14.26%1.27%0.38%47.3%
Q4 202573$31.6M13.77%1.73%0.94%48.8%
Q3 202573$31.1M13.58%1.48%0.80%50.5%
Q2 202566$30.2M13.74%1.92%0.37%53.3%
Q1 202557$29.9M13.72%2.16%-0.58%55.7%
Q4 202465$28.7M14.01%2.49%0.80%59.9%
Q3 202458$28.4M13.89%3.31%0.62%59.8%
Q2 202463$28.3M13.57%3.08%1.34%60.9%

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 ratio13.91%
47th
Problem loans0.70%
50th
Net charge-offs0.34%
36th
Return on assets0.48%
41st
Loans to deposits45.6%
70th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio2.0%
53rd

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
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
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
Northern Valley Federal Credit UnionCredit union Grand Forks, ND84 out of 100, Strong$20.3M13.3%0.04%vs
Med Park Credit UnionCredit union Grand Forks, ND86 out of 100, Very strong$18.1M16.5%0.04%vs
University Federal Credit UnionCredit union Grand Forks, ND91 out of 100, Very strong$46.1M14.4%0.72%vs

Deposit insurance

Is my money safe at Riverfork Federal Credit Union?

Yes. Riverfork Federal Credit Union is a federally insured credit union (NCUA charter #13067). 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 3.3% of shares and deposits ($876K) 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 13.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Riverfork Federal Credit Union lists 4 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Riverfork Federal Credit Union
Type
Federal credit union
NCUA charter #
13067
RSSD ID
931681
Primary regulator
NCUA
Established
1959
Headquarters
711 N Washington St, Grand Forks, ND 58203
Employees
5

Quick answers

Riverfork Federal Credit Union: common questions

Is Riverfork Federal Credit Union NCUA insured?

Yes. Riverfork Federal Credit Union is a federally insured credit union (NCUA charter #13067). 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 Riverfork Federal Credit Union's TellerScore?

78 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 Riverfork Federal Credit Union have?

4 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Grand Forks

InstitutionScoreAssetsCapitalProblem loansCompare
University Federal Credit UnionCredit union Grand Forks, ND91 out of 100, Very strong$46.1M14.4%0.72%vs
Med Park Credit UnionCredit union Grand Forks, ND86 out of 100, Very strong$18.1M16.5%0.04%vs
Northern Valley Federal Credit UnionCredit union Grand Forks, ND84 out of 100, Strong$20.3M13.3%0.04%vs
Northern Sts Pwr Company Emp Federal Credit UnionCredit union Grand Forks, ND77 out of 100, Strong$1.5M10.8%0.00%vs
First State BankBank Buxton, ND75 out of 100, Strong$424.2M9.8%0.00%vs
KodaBankBank Drayton, ND75 out of 100, Strong$559.8M10.3%0.30%vs