C
Northern Valley Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
12.66
Leverage
Ratio
12.66
Return On
Assets
1.22%
Total
Assets
19.77M
Capital
2.50M
Total
Deposits
17.18M
Net
Income
119.00K
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Weiss Ratings Northern Valley Federal Credit Union
Grand Forks, ND 		Click to
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Rating C
Asset Quality Index 8.80
Capitalization Index 10.00
Liquidity Index 4.60
Profitability Index 5.80
Stability Index 5.70
Company Info Northern Valley Federal Credit Union
Grand Forks, ND 		Click to
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NCUA Charter Number 729
Phone Number (701) 772-7922
Website www.northernvalleyfcu.com
Asset Quality Northern Valley Federal Credit Union
Grand Forks, ND 		Click to
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1-Year Asset Growth 5.37%
5-Year Asset Growth 6.02%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.20%
Non-Performing Loans to Loans 0.04%
Balance Sheet Northern Valley Federal Credit Union
Grand Forks, ND 		Click to
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Total Assets 19.77M
Total Deposits 17.18M
Capital and Reserves Northern Valley Federal Credit Union
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Capital 2.50M
Leverage Ratio 12.66
Loan Loss Reserves to Loans 0.37%
Liquidity Northern Valley Federal Credit Union
Grand Forks, ND 		Click to
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Hot Money Ratio 3.72%
Liquidity Ratio 31.51%
Profitability Northern Valley Federal Credit Union
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5-Year Return on Average Assets 0.75%
Net Income 119.00K
Net Interest Spread 4.80%
Operating Profit to Average Assets 1.28%
Overhead Efficiency Ratio 72.32%
Return on Assets 1.22%
Return on Equity 9.76%