NORTHERN VALLEY
Federal • Grand Forks, North Dakota • Est. 1936
Quick Facts
- Charter Number
- #1344
- Type
- Federal
- Established
- 1936
- Headquarters
- Grand Forks, North Dakota 58201
- Address
- 3030 Demers Ave
- Branches
- 1
- ATMs
- 1
- Members
- 1,445
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,445 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN VALLEY |
|---|---|
| Total Assets | $20.4M |
| Members | 1,445 |
| Loans Outstanding | $12.4M |
| Shares & Deposits | $17.7M |
| Net Worth | $2.6M |
| Net Worth Ratio | 12.75% |
| Loan-to-Share Ratio | 69.9% |
| Delinquency Rate | 0.10% |
| Net Income | +$231,481 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location · 1 ATMs
Northern Valley FCU
Main Office3030 Demers Ave
Grand Forks, ND 58201
Who Can Join NORTHERN VALLEY?
Membership Type: Community
Membership eligibility for NORTHERN VALLEY may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN VALLEY 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. NORTHERN VALLEY 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, NORTHERN VALLEY has 1,445 members and a potential membership field of 100,000 people.
NORTHERN VALLEY's net worth ratio is 12.75% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.8%, NORTHERN VALLEY meets this threshold.
NORTHERN VALLEY operates 1 branch location and has access to 1 ATMs. The main office is located at 3030 Demers Ave, Grand Forks, ND 58201.
NORTHERN VALLEY was established in 1936. It is a federal credit union chartered under charter number 1344. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN VALLEY. All financial data is for informational purposes only.