Federal credit union · Fargo, North Dakota · NCUA charter #47
Fargo Public Schools
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $57.4M
- Total assets
- 2,348
- Members
- 12.2%
- Net-worth ratio
Fargo Public Schools scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.4M; members 2,348; net-worth ratio 12.24%; health rank #1,649 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,649 of 4,374 health · 2025Q4Fargo Public Schools · health 87/100 · $57.4M · 2025Q4
- HEALTH 87/100
- NW 12.2%
- DELQ 0.02%
- ROA 0.44%
- ASSETS $57.4M
- MEM 2,348
- RANK #1,649/4,374
- PHOTO Buffalo Conrail
- BOOK 47
Call Report peers
Fargo Public Schools in the assets neighbourhood
Fargo Public Schools's $57.4M assets sit next to Buffalo Conrail ($57.4M) 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.
Fargo Public Schools 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
87 Top 40% higher than 60% 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
Fargo Public Schools - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #47 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Fargo Public Schools diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.02% vs peer 0.96% (-0.94 pp).
- Loan-to-Share Ratio trails the peer set - 44.39% here, 62.60% peer average (-18.21 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Dakota standing for Fargo Public Schools
- North Dakota health ordinal: #13 of 29.
- Assets rank #15 of 29 inside North Dakota ($57.4M reported).
- Member book place in North Dakota: #16 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.
Fargo Public Schools Call Report trajectory
Fargo Public Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $57.4M (2025Q4) to $57.6M (2026Q1).
- Net-worth ratio shifted +0.12 pp (12.12% → 12.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 9.8 pts
Fargo Public Schools health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.24% | -1.38 pp |
| Delinquency Rate | 0.02% | -0.94 pp |
| Return on Assets | 0.44% | -0.22 pp |
| Member Growth | -0.51% | - |
| Loan-to-Share Ratio | 44.39% | -18.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Fargo Public Schools
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $57.6M | - |
| 2025Q4 | $57.4M | 2,348 |
| 2024Q4 | $57.3M | 2,360 |
| 2023Q4 | $56.4M | 2,346 |
Credit Union Details
- Charter Number
- 47
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $50M–$100M
- State
- North Dakota
- City
- Fargo
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Fargo Public Schools runs 2 offices.
| Office | City |
|---|---|
| Fargo Public Schools FCU (Main Office) | Fargo, ND |
| Fargo Public Schools FCU | Fargo, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
A look at other North Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Fargo Public Schools
Two NCUA Call Report peer sets for Fargo Public Schools, both outside North Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Fargo Public Schools ranks #1,649 of 4,374 nationally on financial health and #13 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Affinity First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Affinity First
- 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 Fargo Public Schools financially healthy?
A 12.24% net worth ratio and a 0.02% delinquency rate feed into Fargo Public Schools's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,649 of 4,374; by total assets it ranks #2,293 of 4,374 nationally (same basis as /rankings/largest); and #15 of 29 within North Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fargo Public Schools compare to other credit unions?
87/100 is Fargo Public Schools's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Fargo Public Schools?
Fargo Public Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Fargo Public Schools directly to confirm eligibility.
Is my money safe at Fargo Public Schools?
Federal credit unions like Fargo Public Schools 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. Fargo Public Schools's net worth ratio of 12.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fargo Public Schools offer compared to banks?
Credit unions like Fargo Public Schools 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 Fargo Public Schools 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.