Aspire Community vs Northern Valley
Comparing a Credit Union in Minot, ND with a Credit Union in Grand Forks, ND using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Aspire Community ↗ Credit Union · Minot, ND · Est. 1937 | Northern Valley ↗ Credit Union · Grand Forks, ND · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Minot, ND | Grand Forks, ND |
| Total assets | $180.9M | $18.5M |
| Net worth ratio | 15.2% | 14.3% |
| Return on assets | 1.4% | 1.0% |
| Shares & deposits | — | — |
| Members | 6,301 | 1,467 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 29 | #1 of 29 |
| Established | 1937 | 1936 |
Aspire Community
- Assets: $180.9M
- Members: 6,301
- Capital ratio: 15.2%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 29
Northern Valley
- Assets: $18.5M
- Members: 1,467
- Capital ratio: 14.3%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #1 of 29
Are both institutions federally insured?
Yes. Aspire Community is NCUA-insured and Northern Valley is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Aspire Community or Northern Valley?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Aspire Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Aspire Community safe?
Yes — Aspire Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Northern Valley safe?
Yes — Northern Valley is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Aspire Community vs Northern Valley?
Aspire Community has a net worth ratio of 15.2%, placing it in the top 12% of $100M–1B peers. Northern Valley's ratio is 14.3%, placing it in the top 49% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Aspire Community have compared to Northern Valley?
The CFPB database shows 0 complaints against Aspire Community, and 0 complaints against Northern Valley. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Aspire Community with other Credit Unions in North Dakota
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
