Area Community

GRAND FORKS, ND · 2 · Charter #64294 · www.gfaccu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$27.1M
73th percentile
Members
1,904
64th percentile
Total loans
$16.8M
82th percentile
Total shares
$21.8M
71th percentile

Profitability

Return on assets
0.34%
29th percentile
Net interest margin
4.32%
63th percentile
Efficiency ratio
77.87%
28th percentile
Non-interest income ratio
12.26%
60th percentile

Capital & Risk

Net worth ratio
19.07%
70th percentile
Delinquency rate
1.50%
31th percentile
Net charge-off rate
0.57%
29th percentile
Loan-to-share
76.88%
72th percentile

Growth

Member growth YoY
-5.23%
16th percentile
Asset growth YoY
2.22%
57th percentile
Loan growth YoY
-8.39%
29th percentile
Share growth YoY
2.78%
62th percentile

Operations

Members / branch
635
30th percentile
Assets / member
$14,250
82th percentile
Field of membership penetration
19.04%
32th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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