Charter 65578 · Fargo, ND
United Savings Credit Union
United Savings Credit Union is a state-chartered credit union in Fargo, North Dakota, with $125 million in assets and 7,160 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.70%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $125 million
- +5.4% in a year
- Members
- 7,160
- -0.5% in a year
- Net worth ratio
- 12.70%
- Peer median 11.65%
- Loans 60+ days late
- 2.88%
- Peer median 0.70%
- Loans outstanding
- $89.5 million
- +3.1% in a year
- Shares and deposits
- $109 million
- +5.6% in a year
- Branches
- 5
- 33 employees
- Opened
- 1935
- North Dakota charter
How United Savings Credit Union compares
NCUA groups credit unions by size; United Savings Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.70% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 2.88%, is higher than the group median of 0.70%. Loans grew 3.1% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 11 of 29 credit unions headquartered in North Dakota. See all North Dakota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $125 million | 7,160 | $89.5 million | 12.70% | 2.88% |
| Q1 2026 | $125 million | 7,161 | $88.2 million | 12.54% | 1.30% |
| Q4 2025 | $122 million | 7,167 | $89.6 million | 12.78% | 0.86% |
| Q3 2025 | $121 million | 7,167 | $88.8 million | 12.78% | 1.30% |
| Q2 2025 | $119 million | 7,196 | $86.8 million | 12.89% | 1.41% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 100,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for United Savings Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- MAIN OFFICE (main office)
1001 1St Ave N, Fargo, ND 58102 - Dilworth Office
1407 W Highway 10, Dilworth, MN 56529 - Detroit Lakes
1121 Highway 10 E, Detroit Lakes, MN 56501 - NORTH BRANCH
2940 University Dr N, Fargo, ND 58102 - SOUTH BRANCH
4505 47Th Ave S # 4248, Fargo, ND 58104
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology