Aspire Community Federal Credit Union
Total assets
$180.9M
▲ +4.3% YoY
Shares & deposits
$154.8M
▲ +3.7% YoY
Loans
$148.1M
▲ +1.4% YoY
Members
6,301
▼ -1.0% YoY
ROA (annualized)
1.40%
peers 0.69%
ROE (annualized)
9.21%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.9% | +0.3 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.5 pts |
| ROA | 1.40% | 0.69% | +0.7 pts |
| ROE | 9.2% | 5.9% | +3.3 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
Profile
- Established
- 1937
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 3160, Minot, ND, 58701
- NCUA charter #
- 1888
- RSSD ID
- 191074
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $180.9M | $154.8M | $148.1M | $27.5M | $633K | 1.40% | 2.93% | 0.05% | 6,301 |
| Q4 2025 | $179.7M | $154.2M | $149.2M | $26.9M | $2.0M | 1.12% | 2.65% | 0.30% | 6,329 |
| Q3 2025 | $176.6M | $151.1M | $146.9M | $26.4M | $1.6M | 1.17% | 2.64% | 0.69% | 6,340 |
| Q2 2025 | $173.8M | $148.9M | $145.8M | $25.8M | $967K | 1.11% | 2.62% | 0.09% | 6,355 |
| Q1 2025 | $173.5M | $149.2M | $146.0M | $25.4M | $483K | 1.11% | 2.57% | 0.32% | 6,367 |
| Q4 2024 | $172.6M | $148.3M | $145.3M | $24.9M | $1.9M | 1.13% | 2.34% | 0.28% | 6,347 |
| Q3 2024 | $169.3M | $146.0M | $144.9M | $24.4M | $1.5M | 1.17% | 2.34% | 0.20% | 6,356 |
| Q2 2024 | $169.1M | $145.6M | $144.6M | $24.0M | $1.1M | 1.32% | 2.31% | 0.33% | 6,327 |
Loan mix (Q1 2026): real estate $125.2M · commercial $292K · consumer $17.7M · securities $17.0M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 5.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.62% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 78.7% | 7th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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