AREA COMMUNITY
State-Chartered • GRAND FORKS, North Dakota • Est. 1964
Quick Facts
- Charter Number
- #64294
- Type
- State-Chartered
- Established
- 1964
- Headquarters
- GRAND FORKS, North Dakota 58201
- Address
- 2800 S WASHINGTON ST
- Branches
- 1
- ATMs
- 1
- Members
- 1,904
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
1,904 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AREA COMMUNITY |
|---|---|
| Total Assets | $27.1M |
| Members | 1,904 |
| Loans Outstanding | $16.8M |
| Shares & Deposits | $21.8M |
| Net Worth | $5.2M |
| Net Worth Ratio | 19.04% |
| Loan-to-Share Ratio | 76.9% |
| Delinquency Rate | 1.50% |
| Net Income | +$91,994 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Area Community Credit Union
Main Office2800 S Washington St
Grand Forks, ND 58201
Who Can Join AREA COMMUNITY?
Membership Type: Community
Membership eligibility for AREA COMMUNITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact AREA COMMUNITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View North Dakota RankingsFrequently Asked Questions
Yes. AREA COMMUNITY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, AREA COMMUNITY has 1,904 members and a potential membership field of 10,000 people.
AREA COMMUNITY's net worth ratio is 19.04% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.0%, AREA COMMUNITY meets this threshold.
AREA COMMUNITY operates 1 branch location and has access to 1 ATMs. The main office is located at 2800 S Washington St, Grand Forks, ND 58201.
AREA COMMUNITY was established in 1964. It is a state-chartered credit union chartered under charter number 64294. The institution has been serving members for 62 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or AREA COMMUNITY. All financial data is for informational purposes only.