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
Call Report peers
Fargo Public Schools in the assets neighbourhood
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
Fargo Public Schools sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in North Dakota, CAPITAL (#12) ties at 87/100; one place down, Minot Area Schools (#14) ties at 87/100.
Fargo Public Schools Call Report trajectory
Fargo Public Schools: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $57.4M (2025Q4) to $57.6M (2026Q1).
- Net-worth ratio shifted +0.12 pp (12.12% → 12.24%).
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
Fargo Public Schools gives up 13 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Fargo Public Schools financially healthy?
Fargo Public Schools has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,649 of 4,374 nationally on health and #13 of 29 in North Dakota. Its net worth ratio is 12.24% and its delinquency rate 0.02%.
How does Fargo Public Schools compare to other credit unions?
Fargo Public Schools scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.02% vs 0.96%). Its widest shortfall is loan-to-share ratio (44.39% vs 62.60%).
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?
Fargo Public Schools is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.