Area Community
Area Community is a credit union based in Grand Forks, North Dakota, established in 1964, with $28 million in total assets serving 1,895 members. By Trust Grade it ranks 22nd of 29 credit unions we track in North Dakota. Its net worth ratio of 18.7% is stronger than 73% of similarly sized credit unions, versus a North Dakota median of 13.4%. It was profitable over the most recent period, with a 0.19% return on assets. No consumer complaints against Area Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Area Community compares to North Dakota peers
How we graded Area Community
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.7% capital ratio)
- Profitable (ROA 0.19%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Area Community over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Area Community insured?
Yes. Area Community is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Area Community: frequently asked questions
Is Area Community a good credit union?
Area Community earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (18.7% capital ratio); Profitable (ROA 0.19%).
Is Area Community NCUA-insured?
Yes. Area Community is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Area Community?
Area Community holds $28 million in total assets, ranking 22nd of 29 credit unions we track in North Dakota. It serves 1,895 members.
Does Area Community have CFPB complaints?
No CFPB complaints against Area Community appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
