Federal credit union · Fargo, North Dakota · NCUA charter #24944
CCE
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $13.8M
- Total assets
- 1,318
- Members
- 18.0%
- Net-worth ratio
CCE scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.8M; members 1,318; net-worth ratio 18.04%; health rank #2,389 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,389 of 4,374 health · 2025Q4CCE · health 82/100 · $13.8M · 2025Q4
- BOOK 82/100
- CHARTER 18.0%
- NCUSIF 1.16%
- CAMELS 2.71%
- HEALTH $13.8M
- NW 1,318
- DELQ #2,389/4,374
- ROA Oneida County
- ASSETS 24944
Call Report peers
CCE in the assets neighbourhood
CCE's $13.8M assets sit next to Oneida County ($13.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CCE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CCE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24944. See our deposit-insurance coverage note.
Peer-gap read for CCE
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +3.18 pp (18.04% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 56.59% here, 59.80% peer average (-3.21 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CCE in North Dakota
- Health composite ranks #18 of 29 among scored North Dakota credit unions.
- By total assets, CCE is #25 of 29 in North Dakota.
- Member book place in North Dakota: #23 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CCE's 5300 filing moved
CCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $13.8M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted +0.15 pp (17.89% → 18.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 12.3 pts
Call Report ratios for CCE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.04% | +3.18 pp |
| Delinquency Rate | 1.16% | +0.02 pp |
| Return on Assets | 2.71% | +2.01 pp |
| Member Growth | -1.72% | - |
| Loan-to-Share Ratio | 56.59% | -3.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.1M | - |
| 2025Q4 | $13.8M | 1,318 |
| 2024Q4 | $14.9M | 1,341 |
| 2023Q4 | $15.3M | 1,373 |
Credit Union Details
- Charter Number
- 24944
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- Fargo
- Data Quarter
- 2025Q4
Branch Location
CCE operates a single office in Fargo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CCE Federal Credit Union (Main Office) | Fargo, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Other-state peers near CCE
Cross-state asset and health neighbours for CCE - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- CCE ranks #2,389 of 4,374 nationally on financial health and #18 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fargo Va is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fargo Va
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CCE financially healthy?
CCE scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,389 of 4,374; by total assets it ranks #3,373 of 4,374 nationally (same basis as /rankings/largest); and #25 of 29 within North Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.04% net worth ratio and a 1.16% delinquency rate.
How does CCE compare to other credit unions?
82/100 is CCE's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CCE?
CCE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact CCE directly for the current list of qualifying groups.
Is my money safe at CCE?
Federal credit unions like CCE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CCE's net worth ratio of 18.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CCE offer compared to banks?
Credit unions like CCE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CCE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.