University vs Community
Comparing a Credit Union in Grand Forks, ND with a Credit Union in New Rockford, ND using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| University ↗ Credit Union · Grand Forks, ND · Est. 1937 | Community ↗ Credit Union · New Rockford, ND · Est. 1942 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Grand Forks, ND | New Rockford, ND |
| Total assets | $45.2M | $178.3M |
| Net worth ratio | 14.1% | 16.6% |
| Return on assets | 1.6% | 1.4% |
| Shares & deposits | — | — |
| Members | 3,626 | 4,075 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 29 | #6 of 29 |
| Established | 1937 | 1942 |
University
- Assets: $45.2M
- Members: 3,626
- Capital ratio: 14.1%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #3 of 29
Community
- Assets: $178.3M
- Members: 4,075
- Capital ratio: 16.6%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #6 of 29
Are both institutions federally insured?
Yes. University is NCUA-insured and Community 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, University or Community?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — University 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 University safe?
Yes — University 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 Community safe?
Yes — Community 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 University vs Community?
University has a net worth ratio of 14.1%, placing it in the bottom 49% of <$100M peers. Community's ratio is 16.6%, placing it in the top 8% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does University have compared to Community?
The CFPB database shows 0 complaints against University, and 0 complaints against Community. 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 University 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.
