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Credit unions in North Dakota: the best and largest of 29, compared

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All 29 filers based in North Dakota, largest first. Sort them by what matters to you.

Credit unions by state, from the federal filings

North Dakota: credit unions that match

29

Their members216K
Their assets$6.05B
First on this sortFirst Community Credit Union
Credit unionAssetsMembersNet worthDelinq.BranchesChecks
First Community Credit Union (FCCU Home Loans)Jamestown$1.53B47K12.34%0.61%265/5
Capital Credit UnionBismarck$921M33K13.09%1.80%124/5
Town and Country Credit UnionMinot$771M27K13.06%1.63%114/5
Western Cooperative Credit UnionWilliston$522M18K14.20%3.17%84/5
North Star Community Credit UnionMaddock$465M23K14.31%2.87%134/5
Dakota West Credit UnionWatford City$327M7,26114.17%3.14%84/5
Hometown Credit UnionKulm$223M3,37115.56%6.81%54/5
Railway Credit UnionMandan$212M8,73712.12%0.50%35/5
Aspire Community Federal Credit UnionMinot$182M6,29815.59%0.41%14/5
Community Credit UnionNew Rockford$172M4,05117.68%0.22%34/5

NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.

29 credit unions based in North Dakota filed 216K members and $6.05B in assets with the National Credit Union Administration for June 30, 2026. North Dakota’s net worth ratio of 13.42% is among the highest in the country, while its delinquency of 1.73% is also among the highest. First Community Credit Union in Jamestown, Capital Credit Union in Bismarck and Town and Country Credit Union in Minot lead a short list. Capital runs high: the combined net worth ratio is 13.42% against 11.42% nationwide. Late payments run ahead of the country, with 1.73% of loans two or more months behind against 0.96%. Commercial loans without real estate reach 16.4%, and Hometown Credit Union reports 38.2%. Each reported branch has 1,759 members on average, the lowest load. Each employee on file works out at 193 members, the lowest count. Offices by city: Fargo (23), Minot (12), Bismarck (9), Grand Forks (9), out of 65 places in 40 counties. Every North Dakota filer of a year ago is still on file. Latest charter: Med Park Credit Union, 1965, with none since 2000. The file does not say who may join any of them, or why a charter stopped filing.

How much of the state do the three largest hold?

North Dakota: top 3 share of assets

53.3%

LargestFirst Community Credit Union
Its share25.3%
At $1 billion or more1
Under $50 million14
See the largest credit unions →

Filings read by Radif Partners · Editorial policy · Method and sources

High capital and a farm economy

The combination of strong capital and high late payments is rare in the file, and worth comparing name by name. 29 filers report 216K members in all, and state charters narrowly lead the mix. The count did not change in the year. Only 9 offices belong to outside credit unions, led by Empeople Credit Union with 3.

Highest net worth (over $100 million): Community CU, 17.68%. Fewest late loans: Community CU, 0.22%. First Community CU leads on members, 47K, and branches, 26. Largest member change: Railway CU, +3.94%. Next by assets: Western Cooperative CU, North Star Community CU, Dakota West CU, Hometown CU, Railway CU, Aspire Community FCU. Smallest: Northern Sts PWR Company Emp FCU, F.F.E. FCU, Lisbon Farmers Union CU. Largest outside presence: Empeople CU, from IL, 3 offices.

North Star Community CU (28.1%) leans most on vehicle loans, Aspire Community FCU (81.6%) on first-lien home loans, Dakota Plains CU (3.0%) on cards. Oldest charters: Fargo Public Schools FCU, 1934; United Savings CU, 1935; Fargo VA FCU, 1935. Dakota Plains CU lost the most members in percentage terms, -4.65%, among those over $10 million.

Rank among the 50 states and DC

Computed from the NCUA Call Report of June 30, 2026 for filers based in each state. Home loans: 1-4 family first lien. Commercial: loans not secured by real estate. A filer named for a share has $50 million or more in loans, or is any filer where none reaches that.
MeasureNorth DakotaRankAll filers
Vehicle loans, share of loans14.1%3rd lowest27.5%
First-lien home loans, share of loans18.2%2nd lowest36.6%
Credit cards, share of loans1.4%5th lowest4.9%
Commercial loans without real estate, share of loans16.4%Highest0.8%
Loans as a share of shares and deposits84.4%20th highest
Assets per member$27,9412nd highest
Members per reported branch1,759Lowest
Members per employee (full- and part-time)193Lowest
Filers with one branch or none37.9%21st highest
Three largest names, share of assets53.3%20th highest
Fall in filer count over 12 months0.0%Lowest
Median year a charter opened19403rd lowest

The largest in North Dakota

25 largest of 29, by assets, NCUA Call Report of June 30, 2026. Checks: our own five data checks, not an NCUA rating.
Credit unionCityAssetsMembersNet worthDelinq.BranchesChecks
First Community Credit Union (FCCU Home Loans)Jamestown$1.53B47K12.34%0.61%265/5
Capital Credit UnionBismarck$921M33K13.09%1.80%124/5
Town and Country Credit UnionMinot$771M27K13.06%1.63%114/5
Western Cooperative Credit UnionWilliston$522M18K14.20%3.17%84/5
North Star Community Credit UnionMaddock$465M23K14.31%2.87%134/5
Dakota West Credit UnionWatford City$327M7,26114.17%3.14%84/5
Hometown Credit UnionKulm$223M3,37115.56%6.81%54/5
Railway Credit UnionMandan$212M8,73712.12%0.50%35/5
Aspire Community Federal Credit UnionMinot$182M6,29815.59%0.41%14/5
Community Credit UnionNew Rockford$172M4,05117.68%0.22%34/5
United Savings Credit UnionFargo$125M7,16012.70%2.88%53/5
Vue Community Credit UnionBismarck$106M3,6968.60%2.99%23/5
Dakota Plains Credit UnionEdgeley$93M4,09712.27%0.96%33/5
Affinity First Federal Credit UnionMinot$71M2,54313.83%0.30%24/5
Fargo Public Schools Federal Credit UnionFargo$58M2,34612.24%0.01%24/5
University Federal Credit UnionGrand Forks$46M3,62814.44%0.72%24/5
LaMoure Credit UnionLamoure$39M1,12618.93%0.00%14/5
Riverfork Federal Credit UnionGrand Forks$31M2,12713.91%0.70%13/5
Postal Family Federal Credit UnionFargo$30M2,22910.52%0.19%24/5
Area Community Credit UnionGrand Forks$28M1,86918.83%1.54%33/5
Northern Valley Federal Credit UnionGrand Forks$20M1,90213.25%0.04%15/5
Med Park Credit UnionGrand Forks$18M1,48316.53%0.04%14/5
Minot Area Schools Federal Credit UnionMinot$15M1,1779.04%0.06%15/5
Fargo VA Federal Credit UnionFargo$14M1,50212.63%0.00%15/5
CCE Federal Credit UnionFargo$14M1,29618.54%3.34%13/5

Offices run from other states

6 credit unions based elsewhere report 9 member-service offices in North Dakota; the largest presences are shown.
Credit unionBased inOffices hereTotal assetsNet worth
Empeople Credit UnionIL3$2.26B8.31%
Magnifi Financial Credit UnionMN2$2.75B11.04%
Levo Federal Credit UnionSD1$516M11.50%
Dakota Plains Federal Credit UnionSD1$84M9.13%
Service Federal Credit UnionNH1$6.70B11.89%
Credit Union 1IL1$2.87B10.91%

In figures

State column: every filer based in North Dakota, whether federally insured or not.
MeasureNorth DakotaFederally insured, US
Credit unions294,214
Members216K146.11M
Assets$6.05B$2.50T
Net worth ratio13.42%11.42%
Delinquency1.73%0.96%
Same-charter members, 12 months+0.80%n/a
Same-charter assets, 12 months+5.09%n/a
Filers a year earlier29n/a
Federal charters132,649
State charters161,650
Minority depository flag0454

Who can join

The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.

Questions people ask

What is the largest credit union in North Dakota?

First Community CU, in Jamestown: $1.53B, 47K members, 12.34% net worth on June 30, 2026. After it: Capital CU of Bismarck ($921M), Town and Country CU of Minot ($771M), Western Cooperative CU of Williston ($522M), North Star Community CU of Maddock ($465M), Dakota West CU of Watford City ($327M), Hometown CU of Kulm ($223M), Railway CU of Mandan ($212M). Top three: 53.3% of assets.

Which North Dakota credit union has the fewest late loans?

Community CU, 0.22%, among filers over $100 million at 7% net worth or better. Next: Aspire Community FCU (0.41%), Railway CU (0.50%), First Community CU (0.61%), Town and Country CU (1.63%), Capital CU (1.80%), North Star Community CU (2.87%), United Savings CU (2.88%), Vue Community CU (2.99%), Dakota West CU (3.14%), Western Cooperative CU (3.17%). Most: Hometown CU, 6.81%.

Which North Dakota credit unions report the lowest net worth ratio?

None federally insured under 7%. Lowest: Vue Community CU (8.60%), Minot Area Schools FCU (9.04%), Tel-U-Watt FCU (9.12%), Postal Family FCU (10.52%), Northern Sts PWR Company Emp FCU (10.83%), Railway CU (12.12%), Fargo Public Schools FCU (12.24%), Dakota Plains CU (12.27%), First Community CU (12.34%), Fargo VA FCU (12.63%), United Savings CU (12.70%), Town and Country CU (13.06%). Highest: Lisbon Farmers Union CU, 63.53%.

Where are the credit union offices in North Dakota?

122 member-service offices: Fargo 23, Minot 12, Bismarck 9, Grand Forks 9. From other states: Empeople CU (IL) 3, Magnifi Financial CU (MN) 2, Levo FCU (SD) 1, Dakota Plains FCU (SD) 1, Service FCU (NH) 1, Credit Union 1 (IL) 1. Branches in all at the largest: First Community CU 26, Capital CU 12, Town and Country CU 11.

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