University Federal Credit Union

Headquarters

1575 17th Ave S
Grand Forks, ND 58201
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

University is an NCUA insured institution located in Grand Forks, ND. It was founded in 1937 and has approximately $45.97 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 1904
Date Established 1937
Assets $45.97 million
Loans $21.22 million
Deposits $40.84 million
Capital $4.98 million
 

Field of Membership Restrictions

Membership is open to the University of North Dakota faculty, staff, and students, employees of the ND School for the Blind who work in Grand Forks, civilian and military employees of the United States government and employees of the State of North Dakota who work on University of North Dakota's campus.

Deposit Rates - June 27, 2022

Your Current Location: California, CA 92111

We do not yet have rates for University

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Loan Rates - June 27, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for UNIVERSITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



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Branches

Below are University branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


University Locations



Climate Initiatives

UNIVERSITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

University Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of University. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
University U.S. Average
3.39% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, University had $172,756 in non-current loans and $0 in owned assets. To cover these potential losses it had $4,977,268 in net worth and $117,736 in loans loss reserves. That gives it a Texas Ratio of 3.39%.

Net Worth
University U.S. Average
10.82% 12.36%

University FCU has a net worth of 10.82% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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