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Northern Sts Pwr Company Emp Credit Union
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Northern Sts Pwr Company Emp Credit Union Share
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Overview Share
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Northern Sts Pwr Company Emp Credit Union is a federal credit union based in Grand Forks, North Dakota. It has been opened since 1935, for 87 years.

With around $1,430,000 in assets, Northern Sts Pwr Company Emp Credit Union is considered to be a small credit union.

About Share
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Address 1206 5th Avenue S.
Grand Forks, North Dakota 58201
Phone (701) 795-5244
Fax (701) 795-5280
CEO Tom Millette
President of the Board Lester Marcott
Services Offered
Score Card Share
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87 years
Years in business
Opened in 1935
Well Capitalized
Net worth classification
Source: NCUA
132 members
Membership type: Service – communications and utilities
Below average number of members
88:1
Credit union member to staff ratio
88 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$1,430,643
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 3 in North Dakota
Average number of branches
1.75%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in North Dakota
Average number of branches
Northern Sts Pwr Company Emp Credit Union Branch Locations
Members Share
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132 members
Membership type: Service – communications and utilities
Below average number of members

With 132 members, the Northern Sts Pwr Company Emp Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 99% of credit unions.

Fees Share
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Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Northern Sts Pwr Company Emp Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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88:1
Credit union member to staff ratio
88 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
2 staff members
FTE (full-time equivalent)
100% of employees are part-time
0 full-time, 3 part-time

Northern Sts Pwr Company Emp Credit Union has 0 full-time staff members and 3 part-time staff members. The staff is predominantly comprised of part-time staff, at approximately 100% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Northern Sts Pwr Company Emp Credit Union has around 88 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$1,430,643
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$16,509
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 84% of credit unions.

Northern Sts Pwr Company Emp Credit Union holds a total of $830,000 in loans and leases, which is about $16,509 per member on average.

Savings interest rate Share
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1.75%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Northern Sts Pwr Company Emp Credit Union pays 1.75%.

Loan rates Share
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8.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.00%
New car loan rate
Compared to 4.0% nationally
3.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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3.75%
Other real estate loan rates
Compared to 0.9% nationally

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