C
Northern Valley Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
12.55
Leverage
Ratio
12.55
Return On
Assets
1.04%
Total
Assets
19.40M
Capital
2.43M
Total
Deposits
16.90M
Net
Income
50.00K
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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 4.70
Profitability Index 5.10
Stability Index 5.00
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 3.18%
5-Year Asset Growth 6.02%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.04%
Non-Performing Loans to Loans 0.01%
Balance Sheet Northern Valley Federal Credit Union
Grand Forks, ND 		Click to
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Total Assets 19.40M
Total Deposits 16.90M
Capital and Reserves Northern Valley Federal Credit Union
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Capital 2.43M
Leverage Ratio 12.55
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 3.76%
Liquidity Ratio 33.24%
Profitability Northern Valley Federal Credit Union
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5-Year Return on Average Assets 0.75%
Net Income 50.00K
Net Interest Spread 4.84%
Operating Profit to Average Assets 1.12%
Overhead Efficiency Ratio 75.57%
Return on Assets 1.04%
Return on Equity 8.30%