University Federal Credit Union is a federal credit union headquartered in Grand Forks, North Dakota, in business for about 89 years. At the end of Q2 2026 it reported $46.1M in total assets and $39.3M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, University Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 29 credit unions headquartered in North Dakota, it ranks 3rd. Its strongest component is earnings (100/100; 2.14%), and its lowest is loan quality (76/100; 0.72%).
TellerScore · Q2 2026
Scorecard
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 17 points (74 → 91), mostly because the earnings component improved by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 80 |
| Q4 2024 | 76 |
| Q1 2025 | 63 |
| Q2 2025 | 74 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 88 |
| Q2 2026 | 91 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.29% |
| Q3 2024 | 12.59% |
| Q4 2024 | 12.52% |
| Q1 2025 | 12.64% |
| Q2 2025 | 13.03% |
| Q3 2025 | 13.71% |
| Q4 2025 | 13.72% |
| Q1 2026 | 14.05% |
| Q2 2026 | 14.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.30% |
| Q3 2024 | 0.30% |
| Q4 2024 | 0.62% |
| Q1 2025 | 1.60% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.72% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.30% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.57% |
| Q2 2026 | 2.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $46.1M | 14.44% | 0.72% | 2.14% | 66.0% |
| Q1 2026 | 88 | $45.2M | 14.05% | 0.58% | 1.57% | 66.8% |
| Q4 2025 | 81 | $45.0M | 13.72% | 0.63% | 1.01% | 68.0% |
| Q3 2025 | 81 | $44.0M | 13.71% | 0.57% | 0.93% | 70.6% |
| Q2 2025 | 74 | $44.9M | 13.03% | 0.77% | 0.60% | 68.2% |
| Q1 2025 | 63 | $45.6M | 12.64% | 1.60% | 0.30% | 67.7% |
| Q4 2024 | 76 | $45.8M | 12.52% | 0.62% | 0.86% | 68.1% |
| Q3 2024 | 80 | $45.0M | 12.59% | 0.30% | 0.97% | 69.4% |
| Q2 2024 | 80 | $45.3M | 12.29% | 0.30% | 1.01% | 69.8% |
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).
Similar-size credit unions in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lamoure Credit UnionCredit union Lamoure, ND | 98 out of 100, Very strong | $38.8M | 18.9% | 0.00% | vs |
| Fargo Public Schools Federal Credit UnionCredit union Fargo, ND | 80 out of 100, Strong | $58.2M | 12.2% | 0.01% | vs |
| Riverfork Federal Credit UnionCredit union Grand Forks, ND | 78 out of 100, Strong | $31.2M | 13.9% | 0.70% | vs |
| Postal Family Federal Credit UnionCredit union Fargo, ND | 74 out of 100, Strong | $30.2M | 10.5% | 0.19% | vs |
| Area Community Credit UnionCredit union Grand Forks, ND | 72 out of 100, Strong | $27.7M | 18.8% | 1.54% | vs |
| Affinity First Federal Credit UnionCredit union Minot, ND | 88 out of 100, Very strong | $70.8M | 13.8% | 0.30% | vs |
Deposit insurance
Is my money safe at University Federal Credit Union?
Yes. University Federal Credit Union is a federally insured credit union (NCUA charter #1904). 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 5.8% of shares and deposits ($2.3M) 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 14.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
University Federal Credit Union lists 1 office in 1 city. Most locations:
- Grand Forks, ND (1)
Identity & history
Profile
- Legal name
- University Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1904
- RSSD ID
- 6374
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- 1575 17th Ave S, Grand Forks, ND 58201
- Employees
- 10
Quick answers
University Federal Credit Union: common questions
Is University Federal Credit Union NCUA insured?
Yes. University Federal Credit Union is a federally insured credit union (NCUA charter #1904). 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 University Federal Credit Union's TellerScore?
91 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 University Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Grand Forks
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Med Park Credit UnionCredit union Grand Forks, ND | 86 out of 100, Very strong | $18.1M | 16.5% | 0.04% | vs |
| Northern Valley Federal Credit UnionCredit union Grand Forks, ND | 84 out of 100, Strong | $20.3M | 13.3% | 0.04% | vs |
| Riverfork Federal Credit UnionCredit union Grand Forks, ND | 78 out of 100, Strong | $31.2M | 13.9% | 0.70% | vs |
| Northern Sts Pwr Company Emp Federal Credit UnionCredit union Grand Forks, ND | 77 out of 100, Strong | $1.5M | 10.8% | 0.00% | vs |
| KodaBankBank Drayton, ND | 75 out of 100, Strong | $559.8M | 10.3% | 0.30% | vs |
| First State BankBank Buxton, ND | 75 out of 100, Strong | $424.2M | 9.8% | 0.00% | vs |