RANKING ·
Lowest efficiency ratio in North Dakota
12 of 29 credit unions in North Dakota that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Community Credit Union | New Rockford, ND | 38.9% | $172 million |
| 2 | Aspire Community Federal Credit Union | Minot, ND | 56.2% | $182 million |
| 3 | Hometown Credit Union | Kulm, ND | 61.1% | $223 million |
| 4 | Western Cooperative Credit Union | Williston, ND | 63.5% | $522 million |
| 5 | Capital Credit Union | Bismarck, ND | 67.8% | $921 million |
| 6 | Town and Country Credit Union | Minot, ND | 67.8% | $771 million |
| 7 | Dakota West Credit Union | Watford City, ND | 69.5% | $327 million |
| 8 | North Star Community Credit Union | Maddock, ND | 71.4% | $465 million |
| 9 | First Community Credit Union | Jamestown, ND | 72.1% | $1.5 billion |
| 10 | Railway Credit Union | Mandan, ND | 75.9% | $212 million |
| 11 | Vue Community Credit Union | Bismarck, ND | 75.9% | $106 million |
| 12 | United Savings Credit Union | Fargo, ND | 83.1% | $125 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings