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
- 1,895
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
1,895 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | AREA COMMUNITY |
|---|---|
| Total Assets | $27.7M |
| Members | 1,895 |
| Loans Outstanding | $16.6M |
| Shares & Deposits | $22.3M |
| Net Worth | $5.2M |
| Net Worth Ratio | 18.66% |
| Loan-to-Share Ratio | 74.3% |
| Delinquency Rate | 1.34% |
| Net Income | +$13,051 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in North Dakota
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View North Dakota RankingsFrequently Asked Questions
AREA COMMUNITY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, AREA COMMUNITY has 1,895 members and a potential membership field of 10,000 people.
AREA COMMUNITY's reported net worth ratio is 18.66% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or AREA COMMUNITY. All financial data is for informational purposes only.