6-06 Credit Unions

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CHAPTER 6-06CREDIT UNIONS6-06-01. Savings and credit association may be organized. Any seven residents ofthis state may apply to the state credit union board for permission to organize a corporate<br>cooperative association to be known as a credit union.6-06-02. Manner of organization of credit unions. A credit union must be organized inthe following manner:1.The applicants shall execute a certificate of organization, in triplicate, by the terms of<br>which they agree to be bound, stating the name and the location of the proposed<br>credit union, the names and addresses of the subscribers to the certificate and the<br>number of shares subscribed by each, and the par value of the shares of the credit<br>union, which may not exceed fifty dollars each. The commissioner shall prescribe<br>the application form.2.The applicants shall prepare and execute proposed bylaws, in triplicate, for the<br>general governance of the credit union consistent with the provisions of this chapter.3.The certificate and the proposed bylaws, both executed in triplicate, must be<br>forwarded to the commissioner.4.The applicants shall apply for, secure, and maintain national credit union<br>administration insurance of accounts.5.The board, within thirty days after the receipt of the certificate and bylaws, shall<br>determine whether they comply and are consistent with this chapter.6.The board shall instruct the secretary of state to issue a charter, which must be<br>attached to the certificate of organization and returned, together with the bylaws, to<br>the applicants upon payment of a filing fee of thirty dollars to the secretary of state.7.Evidence of securing national credit union administration insurance must be<br>furnished to the commissioner before the charter may be released to the applicant<br>credit union.After the provisions of this section have been complied with, the association becomes a body<br>corporate and is known as a credit union.6-06-03. Commissioner to furnish forms. The commissioner, on written application ofany seven residents of this state, shall furnish without charge to persons proposing to incorporate<br>a credit union a form of certificate of organization and a set of suggested bylaws approved by the<br>commissioner as consistent with this chapter.6-06-04.Amendment of certificate or bylaws - Approval by state credit unionboard. The certificate of organization or bylaws of a credit union may be amended by the board<br>of directors or the membership of the credit union as specified in the bylaws. If the bylaws<br>provide for amendments by the board of directors, such amendments require an affirmative vote<br>of two-thirds of the authorized number of members of the board of directors of the credit union at<br>any duly held meeting of the board, if the members of the board have been given prior written<br>notice of said meeting and the notice contains a copy of the proposed amendment or<br>amendments. If the bylaws provide for amendments by the membership of the credit union, such<br>amendments require an affirmative vote of two-thirds of the members present and voting at a<br>duly called regular or special meeting of the membership, providing the members have been<br>given prior written notice of said meeting and the notice contains a copy or summary of the<br>proposed amendment or amendments. No amendment of the bylaws or of the certificate of<br>organization becomes effective, until approved in writing by the state credit union board.Page No. 1Amendments to the certificate of organization together with a filing fee of twenty dollars must be<br>filed with the secretary of state within thirty days after the amendments have been approved by<br>the state credit union board.6-06-05.Use of credit union and corporate central credit union restricted -Forfeiture. It is unlawful for any person, association, copartnership, or corporation, domestic or<br>foreign, except corporations organized in accordance with the provisions of this chapter, to use<br>the words "credit union", "corporate central credit union", or "central credit union" in their name or<br>title, and any person, association, copartnership, or corporation violating this section shall forfeit<br>to the state one hundred dollars for every day, or part thereof, during which such violation<br>continues. The commissioner may recover such forfeited sums in a civil action and shall deposit<br>any sums recovered or collected with the state treasurer. Only one "corporate central credit<br>union" or "central credit union" may be organized under this chapter, and no other credit union<br>may use the term "corporate central" or "central" as part of its name. The North Dakota credit<br>union league, any chapter, affiliate, or subsidiary of this league, and any political action<br>committee formed by credit unions organized under this chapter or federal law or a political<br>action committee formed by the North Dakota credit union league are specifically exempt from<br>this restriction.6-06-06. Powers of credit unions. A credit union has the following powers:1.To receive the savings of its members either as payment on shares or as deposits,<br>including the right to conduct Christmas clubs, vacation clubs, and other such thrift<br>organizations within its membership.2.To make loans to members.3.To make loans to a cooperative society or other organization having membership in<br>the credit union.4.To deposit its moneys in state and national banks and trust companies and central<br>credit unions authorized to receive deposits.5.To invest in the following:a.In bonds of the United States without limitation in securities issued as direct<br>obligations by the United States government or any agency thereof and in any<br>trust established for investing directly or collectively in such securities.b.In bonds or evidences of debt of this state or in bonds of states of the United<br>States.c.In bonds or certificates of indebtedness of any county, city, or school district in<br>this state, issued pursuant to authority of law, but not to exceed thirty percent of<br>the assets of any credit union may be invested in such bonds or certificates of<br>indebtedness.d.In notes or bonds secured by mortgage or deed of trust upon unencumbered,<br>improved real estate in this state, if such investment does not exceed sixty-five<br>percent of the actual cash value of the property mortgaged, and fire and<br>tornado insurance policies are maintained and deposited as collateral to such<br>mortgage, subject to such restriction and regulations as may be imposed by the<br>state credit union board.e.In notes or bonds secured by a security interest or lien upon unencumbered<br>personal property, if the investment does not exceed ninety percent of the<br>actual cash value of the property secured.Page No. 2f.In first lien, public utility, industrial, corporation, or association bonds, notes, or<br>other evidences of debt issued by corporations located in the United States of<br>America to the extent authorized by the state credit union board.g.Subject to rules of the state credit union board, in shares of investment<br>companies registered under the Investment Companies Act of 1940 and which<br>invest only in investments otherwise permissible under this section.6.To borrow money as limited in this chapter.7.Subject to such regulations as the state credit union board may prescribe, insurance<br>obtained under title 1 of the National Housing Act must be deemed adequate<br>security.8.To sue and be sued.9.A credit union may invest in a credit union office building, including the lot, piece, or<br>parcel of land on which the same is located, and in furniture and fixtures, to the<br>extent authorized by regulations issued by the state credit union board.10.Every state credit union has the power to purchase, hold, and convey other real<br>estate as herein provided, and not otherwise:a.Such as is mortgaged to it in good faith by way of security for loans, or for debts<br>previously contracted.b.Such as is conveyed to it in good faith in satisfaction of debts previously<br>contracted in the course of its dealings.c.Such as it purchases at sales under judgments, decrees, or mortgages held by<br>the credit union, or purchases to secure debts due to it.Upon transfer to other real estate owned, a current appraisal performed by an<br>independent qualified appraiser must be obtained for all property recorded at or<br>below the lower of twenty-five thousand dollars or ten percent of the credit union's<br>equity. Except as otherwise provided by chapter 10-06.1, a state credit union may<br>hold possession of any real estate acquired after July 1, 1991, under mortgage, or<br>title and possession of any real estate purchased to satisfy indebtedness, for a<br>period not to exceed five years. Except as otherwise provided by chapter 10-06.1,<br>real estate acquired before July 1, 1991, may be held for a period not exceeding five<br>years from July 1, 1991.The commissioner may extend the real estate holdingperiod up to an additional five years upon formal request by a credit union if the<br>credit union has made a good-faith attempt to dispose of the real estate within the<br>five-year period, or disposal within the five-year period would be detrimental to the<br>credit union. Within thirty days after receipt of an adverse decision, the credit union<br>may appeal that decision to the state credit union board.11.Subject to authorization by the state credit union board, acting by order or rule, a<br>state credit union has the same powers as a federal credit union and may engage in<br>any activity in which a credit union could engage if the credit union were federally<br>chartered.12.To exercise any incidental power necessary or requisite to enable the credit union to<br>carry out effectively the business for which it is incorporated or as determined by the<br>board by order or rule.6-06-06.1. Issuance of certificates of deposit - Penalty. Certificates of deposit, asdefined in section 41-03-04, may only be issued in this state by credit unions authorized to issue<br>certificates of deposit, and which are organized to do business in this state under this chapter orPage No. 3under the Federal Credit Union Act, and whose accounts are insured by the national credit union<br>administration, except that the requirement for insurance of accounts for any "corporate central<br>credit union" or "central credit union" may be waived under section 6-06-40, or as authorized<br>under section 6-03-02.2. Any person violating this section is subject to a civil penalty not to<br>exceed five thousand dollars.6-06-07. Membership in credit union.1.The membership of a credit union consists of the incorporators and such other<br>persons as may be elected to membership. Each member shall subscribe to and<br>pay the initial installment on at least one share in the credit union and pay the<br>entrance fee as provided by the bylaws of the credit union.Organizations,incorporated or otherwise, composed principally of the same general group as the<br>credit union membership may be members of the credit union.2.Credit union membership is limited to groups having a common bond of occupation<br>or association or to groups residing within a geographic area that does not extend<br>beyond a seventy-five-mile [120.70-kilometer] radius of the home office of the credit<br>union. Except as provided by this section, an office of a credit union that has a field<br>of membership defined by geography may not be located more than seventy-five<br>miles [120.70 kilometers] from the credit union main office.The restrictions onlocation and field of membership under this section do not apply to a credit union<br>office location or field of membership approved by the board before January 1, 2005.<br>In the event of a merger between credit unions with different geographic fields of<br>membership, the surviving credit union may expand the field of membership to<br>include the geographic field of membership of the merged credit union.AfterDecember 31, 2004, a credit union may not establish and operate a new branch<br>office that is outside the credit union's field of membership. A branch office may not<br>expand the geographic field of membership of a credit union.3.The board shall adopt a procedure through which all interested persons, including<br>banking institutions and credit unions, are afforded reasonable opportunity to submit<br>data, views, or arguments, orally or in writing; to obtain a hearing; and to intervene<br>as a party to a proceeding concerning a proposed application for a credit union to<br>expand the credit union's field of membership.6-06-08.State credit union board to supervise credit unions - Reports -Examinations - Fees.1.Credit unions and the permanent loan funds of credit unions, if any, are under the<br>supervision of the commissioner. Credit unions shall report to the commissioner<br>when called by the commissioner and at least four times each year.Thecommissioner shall prescribe the forms for the reports.At the discretion of thecommissioner, a call may be complied with by submission of a copy of the call report<br>e-mailed directly to the department of financial institutions or by other electronic<br>means of transmission. The call reports are due within thirty days of the call, or<br>according to the deadlines published on the form NCUA 5300, whichever comes<br>first. The commissioner may call for special reports from any credit union whenever<br>in the commissioner's judgment it is necessary to obtain complete knowledge of the<br>condition of the credit union. Every credit union that fails to make and transmit any<br>report required in pursuance of this section shall forfeit and pay to the state a penalty<br>of up to five hundred dollars for each day of delinquency, not to exceed two<br>thousand five hundred dollars. At the discretion of the commissioner, all or part of<br>this penalty may be waived if the reports are submitted within three days after the<br>due date required by this section.2.Credit unions must be examined at least once each twenty-four months by the<br>commissioner. In lieu of the examinations herein required, the commissioner mayPage No. 4accept any examination made or obtained by the national credit union administration<br>and may conduct a joint examination with the national credit union administration.3.If it is determined through an examination or otherwise that the credit union is<br>violating the provisions of this chapter, or is insolvent, the state credit union board<br>may serve notice on the credit union of its intention to revoke the charter. If such<br>violations continue for a period of fifteen days after such notice, the board may<br>revoke the charter and take possession of the business and property of such credit<br>union and shall maintain possession then until such time as it permits the<br>reinstatement of the charter and the continuation of business by the credit union, or<br>until its affairs finally are liquidated.The board may take similar action if anyrequired report remains in arrears for more than fifteen days.4.Every state credit union, including any "corporate central" or "corporate" credit union,<br>placed under the jurisdiction and control of the state credit union board and the<br>commissioner by the provisions of this title shall pay a yearly assessment. This<br>assessment is to be determined by the state credit union board as necessary to fund<br>that portion of the department's budget relating to the regulation of state-chartered<br>credit unions. The assessment must be paid to the state treasurer within thirty days<br>of each June thirtieth.Credit unions that have not been examined by thecommissioner or the state credit union board for three years prior to any assessment<br>date are not required to pay the assessment. The state treasurer shall report the<br>payments of fees to the commissioner, and if any credit union is delinquent more<br>than twenty days in making payment, the board may make an order suspending the<br>functions of the delinquent credit union until payment of the amount due.Thecommissioner may assess a penalty of five dollars for each day that the penalty is<br>delinquent. The examination fee for any "corporate central" or "corporate" credit<br>union shall be charged by the department at an hourly rate to be set by the<br>commissioner, sufficient to cover all reasonable expenses of the department<br>associated with the examination. All fees and penalties under this section must be<br>paid to the state treasurer and deposited in the financial institutions regulatory fund.6-06-08.1. Additional assessments of credit unions. Repealed by S.L. 1989, ch. 96,</div></article><aside class="right-sidebar"><div class="related-sidebar"><h3><span class="emoji">⚖️</span> State Laws</h3><ul class="state-laws-list"><li><a href="https://state-laws.laws.com/state-of-alabama">The State Laws of Alabama</a></li><li><a href="https://state-laws.laws.com/state-of-alaska">The State Laws of Alaska</a></li><li><a href="https://state-laws.laws.com/state-of-arizona">The State Laws of Arizona</a></li><li><a href="https://state-laws.laws.com/state-of-arkansas">The State Laws of Arkansas</a></li><li><a href="https://state-laws.laws.com/state-of-california">The State Laws of California</a></li><li><a href="https://state-laws.laws.com/state-of-colorado">The State Laws of Colorado</a></li><li><a href="https://state-laws.laws.com/state-of-connecticut">The State Laws of Connecticut</a></li><li><a href="https://state-laws.laws.com/state-of-delaware">The State Laws of Delaware</a></li><li><a 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height:815px; text-align:center;\"\u003eLoading PDF...\u003c/div\u003e\u003cscript type=\"text/javascript\"\u003e var pdf_url = 'https://law.justia.com/codes/north-dakota/2009/t06/pdf/t06c06.pdf'; $(document).ready(function() { var embedwindow = $(\"#embed_document\"); if ($.browser.msie){ embedwindow.html('\u003cembed src=\"'+pdf_url+'\" width=\"100%\" height=\"100%\"\u003e\u003c/embed\u003e'); } else { embedwindow.html('\u003ciframe style=\"width:100%; height:100%;\" src=\"https://docs.google.com/gview?url='+window.escape(pdf_url)+'\u0026embedded=true\" frameborder=\"0\"\u003e\u003c/iframe\u003e'); } });\u003c/script\u003e\u003cbr\u003e\u003cbr\u003e\u003cnoframes\u003eCHAPTER 6-06CREDIT UNIONS6-06-01. Savings and credit association may be organized. Any seven residents ofthis state may apply to the state credit union board for permission to organize a corporate\u003cbr\u003ecooperative association to be known as a credit union.6-06-02. Manner of organization of credit unions. A credit union must be organized inthe following manner:1.The applicants shall execute a certificate of organization, in triplicate, by the terms of\u003cbr\u003ewhich they agree to be bound, stating the name and the location of the proposed\u003cbr\u003ecredit union, the names and addresses of the subscribers to the certificate and the\u003cbr\u003enumber of shares subscribed by each, and the par value of the shares of the credit\u003cbr\u003eunion, which may not exceed fifty dollars each. The commissioner shall prescribe\u003cbr\u003ethe application form.2.The applicants shall prepare and execute proposed bylaws, in triplicate, for the\u003cbr\u003egeneral governance of the credit union consistent with the provisions of this chapter.3.The certificate and the proposed bylaws, both executed in triplicate, must be\u003cbr\u003eforwarded to the commissioner.4.The applicants shall apply for, secure, and maintain national credit union\u003cbr\u003eadministration insurance of accounts.5.The board, within thirty days after the receipt of the certificate and bylaws, shall\u003cbr\u003edetermine whether they comply and are consistent with this chapter.6.The board shall instruct the secretary of state to issue a charter, which must be\u003cbr\u003eattached to the certificate of organization and returned, together with the bylaws, to\u003cbr\u003ethe applicants upon payment of a filing fee of thirty dollars to the secretary of state.7.Evidence of securing national credit union administration insurance must be\u003cbr\u003efurnished to the commissioner before the charter may be released to the applicant\u003cbr\u003ecredit union.After the provisions of this section have been complied with, the association becomes a body\u003cbr\u003ecorporate and is known as a credit union.6-06-03. Commissioner to furnish forms. The commissioner, on written application ofany seven residents of this state, shall furnish without charge to persons proposing to incorporate\u003cbr\u003ea credit union a form of certificate of organization and a set of suggested bylaws approved by the\u003cbr\u003ecommissioner as consistent with this chapter.6-06-04.Amendment of certificate or bylaws - Approval by state credit unionboard. The certificate of organization or bylaws of a credit union may be amended by the board\u003cbr\u003eof directors or the membership of the credit union as specified in the bylaws. If the bylaws\u003cbr\u003eprovide for amendments by the board of directors, such amendments require an affirmative vote\u003cbr\u003eof two-thirds of the authorized number of members of the board of directors of the credit union at\u003cbr\u003eany duly held meeting of the board, if the members of the board have been given prior written\u003cbr\u003enotice of said meeting and the notice contains a copy of the proposed amendment or\u003cbr\u003eamendments. If the bylaws provide for amendments by the membership of the credit union, such\u003cbr\u003eamendments require an affirmative vote of two-thirds of the members present and voting at a\u003cbr\u003eduly called regular or special meeting of the membership, providing the members have been\u003cbr\u003egiven prior written notice of said meeting and the notice contains a copy or summary of the\u003cbr\u003eproposed amendment or amendments. No amendment of the bylaws or of the certificate of\u003cbr\u003eorganization becomes effective, until approved in writing by the state credit union board.Page No. 1Amendments to the certificate of organization together with a filing fee of twenty dollars must be\u003cbr\u003efiled with the secretary of state within thirty days after the amendments have been approved by\u003cbr\u003ethe state credit union board.6-06-05.Use of credit union and corporate central credit union restricted -Forfeiture. It is unlawful for any person, association, copartnership, or corporation, domestic or\u003cbr\u003eforeign, except corporations organized in accordance with the provisions of this chapter, to use\u003cbr\u003ethe words \u0026quot;credit union\u0026quot;, \u0026quot;corporate central credit union\u0026quot;, or \u0026quot;central credit union\u0026quot; in their name or\u003cbr\u003etitle, and any person, association, copartnership, or corporation violating this section shall forfeit\u003cbr\u003eto the state one hundred dollars for every day, or part thereof, during which such violation\u003cbr\u003econtinues. The commissioner may recover such forfeited sums in a civil action and shall deposit\u003cbr\u003eany sums recovered or collected with the state treasurer. Only one \u0026quot;corporate central credit\u003cbr\u003eunion\u0026quot; or \u0026quot;central credit union\u0026quot; may be organized under this chapter, and no other credit union\u003cbr\u003emay use the term \u0026quot;corporate central\u0026quot; or \u0026quot;central\u0026quot; as part of its name. The North Dakota credit\u003cbr\u003eunion league, any chapter, affiliate, or subsidiary of this league, and any political action\u003cbr\u003ecommittee formed by credit unions organized under this chapter or federal law or a political\u003cbr\u003eaction committee formed by the North Dakota credit union league are specifically exempt from\u003cbr\u003ethis restriction.6-06-06. Powers of credit unions. A credit union has the following powers:1.To receive the savings of its members either as payment on shares or as deposits,\u003cbr\u003eincluding the right to conduct Christmas clubs, vacation clubs, and other such thrift\u003cbr\u003eorganizations within its membership.2.To make loans to members.3.To make loans to a cooperative society or other organization having membership in\u003cbr\u003ethe credit union.4.To deposit its moneys in state and national banks and trust companies and central\u003cbr\u003ecredit unions authorized to receive deposits.5.To invest in the following:a.In bonds of the United States without limitation in securities issued as direct\u003cbr\u003eobligations by the United States government or any agency thereof and in any\u003cbr\u003etrust established for investing directly or collectively in such securities.b.In bonds or evidences of debt of this state or in bonds of states of the United\u003cbr\u003eStates.c.In bonds or certificates of indebtedness of any county, city, or school district in\u003cbr\u003ethis state, issued pursuant to authority of law, but not to exceed thirty percent of\u003cbr\u003ethe assets of any credit union may be invested in such bonds or certificates of\u003cbr\u003eindebtedness.d.In notes or bonds secured by mortgage or deed of trust upon unencumbered,\u003cbr\u003eimproved real estate in this state, if such investment does not exceed sixty-five\u003cbr\u003epercent of the actual cash value of the property mortgaged, and fire and\u003cbr\u003etornado insurance policies are maintained and deposited as collateral to such\u003cbr\u003emortgage, subject to such restriction and regulations as may be imposed by the\u003cbr\u003estate credit union board.e.In notes or bonds secured by a security interest or lien upon unencumbered\u003cbr\u003epersonal property, if the investment does not exceed ninety percent of the\u003cbr\u003eactual cash value of the property secured.Page No. 2f.In first lien, public utility, industrial, corporation, or association bonds, notes, or\u003cbr\u003eother evidences of debt issued by corporations located in the United States of\u003cbr\u003eAmerica to the extent authorized by the state credit union board.g.Subject to rules of the state credit union board, in shares of investment\u003cbr\u003ecompanies registered under the Investment Companies Act of 1940 and which\u003cbr\u003einvest only in investments otherwise permissible under this section.6.To borrow money as limited in this chapter.7.Subject to such regulations as the state credit union board may prescribe, insurance\u003cbr\u003eobtained under title 1 of the National Housing Act must be deemed adequate\u003cbr\u003esecurity.8.To sue and be sued.9.A credit union may invest in a credit union office building, including the lot, piece, or\u003cbr\u003eparcel of land on which the same is located, and in furniture and fixtures, to the\u003cbr\u003eextent authorized by regulations issued by the state credit union board.10.Every state credit union has the power to purchase, hold, and convey other real\u003cbr\u003eestate as herein provided, and not otherwise:a.Such as is mortgaged to it in good faith by way of security for loans, or for debts\u003cbr\u003epreviously contracted.b.Such as is conveyed to it in good faith in satisfaction of debts previously\u003cbr\u003econtracted in the course of its dealings.c.Such as it purchases at sales under judgments, decrees, or mortgages held by\u003cbr\u003ethe credit union, or purchases to secure debts due to it.Upon transfer to other real estate owned, a current appraisal performed by an\u003cbr\u003eindependent qualified appraiser must be obtained for all property recorded at or\u003cbr\u003ebelow the lower of twenty-five thousand dollars or ten percent of the credit union's\u003cbr\u003eequity. Except as otherwise provided by chapter 10-06.1, a state credit union may\u003cbr\u003ehold possession of any real estate acquired after July 1, 1991, under mortgage, or\u003cbr\u003etitle and possession of any real estate purchased to satisfy indebtedness, for a\u003cbr\u003eperiod not to exceed five years. Except as otherwise provided by chapter 10-06.1,\u003cbr\u003ereal estate acquired before July 1, 1991, may be held for a period not exceeding five\u003cbr\u003eyears from July 1, 1991.The commissioner may extend the real estate holdingperiod up to an additional five years upon formal request by a credit union if the\u003cbr\u003ecredit union has made a good-faith attempt to dispose of the real estate within the\u003cbr\u003efive-year period, or disposal within the five-year period would be detrimental to the\u003cbr\u003ecredit union. Within thirty days after receipt of an adverse decision, the credit union\u003cbr\u003emay appeal that decision to the state credit union board.11.Subject to authorization by the state credit union board, acting by order or rule, a\u003cbr\u003estate credit union has the same powers as a federal credit union and may engage in\u003cbr\u003eany activity in which a credit union could engage if the credit union were federally\u003cbr\u003echartered.12.To exercise any incidental power necessary or requisite to enable the credit union to\u003cbr\u003ecarry out effectively the business for which it is incorporated or as determined by the\u003cbr\u003eboard by order or rule.6-06-06.1. Issuance of certificates of deposit - Penalty. Certificates of deposit, asdefined in section 41-03-04, may only be issued in this state by credit unions authorized to issue\u003cbr\u003ecertificates of deposit, and which are organized to do business in this state under this chapter orPage No. 3under the Federal Credit Union Act, and whose accounts are insured by the national credit union\u003cbr\u003eadministration, except that the requirement for insurance of accounts for any \u0026quot;corporate central\u003cbr\u003ecredit union\u0026quot; or \u0026quot;central credit union\u0026quot; may be waived under section 6-06-40, or as authorized\u003cbr\u003eunder section 6-03-02.2. Any person violating this section is subject to a civil penalty not to\u003cbr\u003eexceed five thousand dollars.6-06-07. Membership in credit union.1.The membership of a credit union consists of the incorporators and such other\u003cbr\u003epersons as may be elected to membership. Each member shall subscribe to and\u003cbr\u003epay the initial installment on at least one share in the credit union and pay the\u003cbr\u003eentrance fee as provided by the bylaws of the credit union.Organizations,incorporated or otherwise, composed principally of the same general group as the\u003cbr\u003ecredit union membership may be members of the credit union.2.Credit union membership is limited to groups having a common bond of occupation\u003cbr\u003eor association or to groups residing within a geographic area that does not extend\u003cbr\u003ebeyond a seventy-five-mile [120.70-kilometer] radius of the home office of the credit\u003cbr\u003eunion. Except as provided by this section, an office of a credit union that has a field\u003cbr\u003eof membership defined by geography may not be located more than seventy-five\u003cbr\u003emiles [120.70 kilometers] from the credit union main office.The restrictions onlocation and field of membership under this section do not apply to a credit union\u003cbr\u003eoffice location or field of membership approved by the board before January 1, 2005.\u003cbr\u003eIn the event of a merger between credit unions with different geographic fields of\u003cbr\u003emembership, the surviving credit union may expand the field of membership to\u003cbr\u003einclude the geographic field of membership of the merged credit union.AfterDecember 31, 2004, a credit union may not establish and operate a new branch\u003cbr\u003eoffice that is outside the credit union's field of membership. A branch office may not\u003cbr\u003eexpand the geographic field of membership of a credit union.3.The board shall adopt a procedure through which all interested persons, including\u003cbr\u003ebanking institutions and credit unions, are afforded reasonable opportunity to submit\u003cbr\u003edata, views, or arguments, orally or in writing; to obtain a hearing; and to intervene\u003cbr\u003eas a party to a proceeding concerning a proposed application for a credit union to\u003cbr\u003eexpand the credit union's field of membership.6-06-08.State credit union board to supervise credit unions - Reports -Examinations - Fees.1.Credit unions and the permanent loan funds of credit unions, if any, are under the\u003cbr\u003esupervision of the commissioner. Credit unions shall report to the commissioner\u003cbr\u003ewhen called by the commissioner and at least four times each year.Thecommissioner shall prescribe the forms for the reports.At the discretion of thecommissioner, a call may be complied with by submission of a copy of the call report\u003cbr\u003ee-mailed directly to the department of financial institutions or by other electronic\u003cbr\u003emeans of transmission. The call reports are due within thirty days of the call, or\u003cbr\u003eaccording to the deadlines published on the form NCUA 5300, whichever comes\u003cbr\u003efirst. The commissioner may call for special reports from any credit union whenever\u003cbr\u003ein the commissioner's judgment it is necessary to obtain complete knowledge of the\u003cbr\u003econdition of the credit union. Every credit union that fails to make and transmit any\u003cbr\u003ereport required in pursuance of this section shall forfeit and pay to the state a penalty\u003cbr\u003eof up to five hundred dollars for each day of delinquency, not to exceed two\u003cbr\u003ethousand five hundred dollars. At the discretion of the commissioner, all or part of\u003cbr\u003ethis penalty may be waived if the reports are submitted within three days after the\u003cbr\u003edue date required by this section.2.Credit unions must be examined at least once each twenty-four months by the\u003cbr\u003ecommissioner. In lieu of the examinations herein required, the commissioner mayPage No. 4accept any examination made or obtained by the national credit union administration\u003cbr\u003eand may conduct a joint examination with the national credit union administration.3.If it is determined through an examination or otherwise that the credit union is\u003cbr\u003eviolating the provisions of this chapter, or is insolvent, the state credit union board\u003cbr\u003emay serve notice on the credit union of its intention to revoke the charter. If such\u003cbr\u003eviolations continue for a period of fifteen days after such notice, the board may\u003cbr\u003erevoke the charter and take possession of the business and property of such credit\u003cbr\u003eunion and shall maintain possession then until such time as it permits the\u003cbr\u003ereinstatement of the charter and the continuation of business by the credit union, or\u003cbr\u003euntil its affairs finally are liquidated.The board may take similar action if anyrequired report remains in arrears for more than fifteen days.4.Every state credit union, including any \u0026quot;corporate central\u0026quot; or \u0026quot;corporate\u0026quot; credit union,\u003cbr\u003eplaced under the jurisdiction and control of the state credit union board and the\u003cbr\u003ecommissioner by the provisions of this title shall pay a yearly assessment. This\u003cbr\u003eassessment is to be determined by the state credit union board as necessary to fund\u003cbr\u003ethat portion of the department's budget relating to the regulation of state-chartered\u003cbr\u003ecredit unions. The assessment must be paid to the state treasurer within thirty days\u003cbr\u003eof each June thirtieth.Credit unions that have not been examined by thecommissioner or the state credit union board for three years prior to any assessment\u003cbr\u003edate are not required to pay the assessment. The state treasurer shall report the\u003cbr\u003epayments of fees to the commissioner, and if any credit union is delinquent more\u003cbr\u003ethan twenty days in making payment, the board may make an order suspending the\u003cbr\u003efunctions of the delinquent credit union until payment of the amount due.Thecommissioner may assess a penalty of five dollars for each day that the penalty is\u003cbr\u003edelinquent. The examination fee for any \u0026quot;corporate central\u0026quot; or \u0026quot;corporate\u0026quot; credit\u003cbr\u003eunion shall be charged by the department at an hourly rate to be set by the\u003cbr\u003ecommissioner, sufficient to cover all reasonable expenses of the department\u003cbr\u003eassociated with the examination. All fees and penalties under this section must be\u003cbr\u003epaid to the state treasurer and deposited in the financial institutions regulatory fund.6-06-08.1. Additional assessments of credit unions. 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