Credit Unions in North Dakota
29 federally insured credit unions — NCUA Q4 2025 data
North Dakota credit union statistics
Credit Unions
Federally insured in North Dakota
Total Members
Combined membership
Total Assets
Combined industry assets
Avg Net Worth Ratio
Well-capitalized threshold: 7%
Cities in North Dakota
Select a city to browse local credit unions
Top 10 Credit Unions in North Dakota
Ranked by total assets — Q4 2025
| Rank | Name | Total Assets | Members | Health |
|---|---|---|---|---|
| #1 | FIRST COMMUNITY | $1.5B | 47K | A+ |
| #2 | CAPITAL | $889.6M | 33K | A |
| #3 | TOWN AND COUNTRY | $759.0M | 26K | A+ |
| #4 | WESTERN COOPERATIVE | $501.1M | 18K | B |
| #5 | NORTH STAR COMMUNITY | $467.6M | 22K | B |
| #6 | DAKOTA WEST | $336.1M | 7,199 | B |
| #7 | HOMETOWN | $212.9M | 3,350 | C |
| #8 | RAILWAY | $199.4M | 8,449 | A+ |
| #9 | ASPIRE COMMUNITY | $179.7M | 6,329 | A+ |
| #10 | COMMUNITY | $173.4M | 4,092 | A+ |
Financially Strongest Credit Unions in North Dakota
Net worth ratio ≥ 10% — well above the 7% well-capitalized threshold
Frequently Asked Questions
There are 29 federally insured credit unions in North Dakota according to the latest NCUA Q4 2025 Call Report data. These institutions collectively hold $5.9B in assets and serve 215K members.
The average net worth ratio for credit unions in North Dakota is 15.0%. The NCUA considers a credit union "well-capitalized" when its net worth ratio is 7% or higher. A ratio above 10% is considered excellent and signals strong financial health.
The largest credit union in North Dakota by total assets is FIRST COMMUNITY with $1.5B in assets. You can view full details, branch locations, and financial health data on its individual profile page.
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Data sourced from the NCUA Quarterly Call Report (Q4 2025). All financial data is for informational purposes only.