TellerScore

United Savings Credit Union is a federally insured state-chartered credit union headquartered in Fargo, North Dakota, in business for about 91 years. At the end of Q2 2026 it reported $125.2M in total assets and $108.6M in member shares and deposits, with 5 offices across 2 states.

United Savings Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 1,341 credit unions with $100 million – $1 billion. Among 29 credit unions headquartered in North Dakota, it ranks 28th. Funding & liquidity contributes the most (78/100, 82% loans-to-deposits, 5% uninsured); loan quality contributes the least (4/100, 2.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.70%
Loan quality4/100
Loans 60+ days delinquent ÷ total loans: 2.88%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity78/100
Loans ÷ shares: 82.4% · 5.3% uninsured
Problem-loan coverage68/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.22%

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 12 points (62 → 50), mostly because the loan quality component weakened by 49 points.

TellerScore
506375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202468
Q4 202475
Q1 202564
Q2 202562
Q3 202563
Q4 202568
Q1 202663
Q2 202650
Net worth ratio
7.00%9.95%12.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.53%
Q3 202412.65%
Q4 202412.86%
Q1 202512.63%
Q2 202512.89%
Q3 202512.78%
Q4 202512.78%
Q1 202612.54%
Q2 202612.70%
Delinquent loans (60+ days)
0.65%1.77%2.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.13%
Q3 20241.40%
Q4 20240.65%
Q1 20251.08%
Q2 20251.41%
Q3 20251.30%
Q4 20250.86%
Q1 20261.30%
Q2 20262.88%
Return on assets
0.08%0.52%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.95%
Q4 20240.86%
Q1 20250.08%
Q2 20250.11%
Q3 20250.25%
Q4 20250.33%
Q1 20260.19%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$125.2M12.70%2.88%0.40%82.4%
Q1 202663$125.3M12.54%1.30%0.19%81.0%
Q4 202568$122.4M12.78%0.86%0.33%84.6%
Q3 202563$121.1M12.78%1.30%0.25%84.8%
Q2 202562$118.8M12.89%1.41%0.11%84.4%
Q1 202564$120.9M12.63%1.08%0.08%79.6%
Q4 202475$118.6M12.86%0.65%0.86%81.5%
Q3 202468$119.3M12.65%1.40%0.95%82.2%
Q2 202462$118.6M10.53%1.13%0.72%81.4%

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 ratio12.70%
66th
Problem loans2.88%
2nd
Net charge-offs0.35%
50th
Return on assets0.40%
23rd
Loans to deposits82.4%
34th
Uninsured deposits5.3%
57th
Loan-loss reserves0.00%
50th
Texas ratio16.2%
4th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Vue Community Credit UnionCredit union Bismarck, ND44 out of 100, Below average$106.3M8.6%2.99%vs
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Aspire Community Federal Credit UnionCredit union Minot, ND87 out of 100, Very strong$181.6M15.6%0.41%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
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 United Savings Credit Union?

Yes. United Savings Credit Union is a federally insured credit union (NCUA charter #65578). 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 5.3% of shares and deposits ($5.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

United Savings Credit Union lists 5 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VARIABLE RATE12.25% – 21.25%$0$251.0%

All United Savings Credit Union card terms

Identity & history

Profile

Legal name
United Savings Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65578
RSSD ID
705592
Primary regulator
State + NCUA
Established
1935
Headquarters
Po Box 2308, Fargo, ND 58102
Employees
33

Quick answers

United Savings Credit Union: common questions

Is United Savings Credit Union NCUA insured?

Yes. United Savings Credit Union is a federally insured credit union (NCUA charter #65578). 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 United Savings Credit Union's TellerScore?

50 out of 100 (Below average), 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 United Savings Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Fargo

InstitutionScoreAssetsCapitalProblem loansCompare
Fargo VA Federal Credit UnionCredit union Fargo, ND84 out of 100, Strong$14.1M12.6%0.00%vs
Valley Premier BankBank Hawley, MN81 out of 100, Strong$141.0M11.1%0.00%vs
Fargo Public Schools Federal Credit UnionCredit union Fargo, ND80 out of 100, Strong$58.2M12.2%0.01%vs
F.F.E. Federal Credit UnionCredit union Fargo, ND79 out of 100, Strong$3.8M13.5%0.00%vs
Western State BankBank Devils Lake, ND78 out of 100, Strong$2.5B13.2%0.90%vs
First United BankBank Park River, ND78 out of 100, Strong$810.8M10.1%0.01%vs