Federal credit union · FARGO, North Dakota · NCUA charter #288
Fargo Va
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $13.8M
- Total assets
- 1,491
- Members
- 12.3%
- Net-worth ratio
Fargo Va scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.8M; members 1,491; net-worth ratio 12.35%; health rank #937 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#937 of 4,374 health · 2025Q4Fargo Va · health 91/100 · $13.8M · 2025Q4
- ASSETS 91/100
- MEM 12.3%
- RANK 0.05%
- PHOTO 1.56%
- BOOK $13.8M
- CHARTER 1,491
- NCUSIF #937/4,374
- CAMELS TEAMSTERS
- HEALTH 288
Call Report peers
Fargo Va in the assets neighbourhood
Fargo Va's $13.8M assets sit next to TEAMSTERS ($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.
Fargo Va 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
91 Top 23% higher than 77% 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 Va - Share Insurance Coverage
Charter #288's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Fargo Va
- Delinquency Rate leads the peer set - 0.05% here, 1.15% peer average (-1.10 pp).
- Net Worth Ratio trails the peer set - 12.35% here, 14.86% peer average (-2.51 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Fargo Va in North Dakota
- Health composite ranks #7 of 29 among scored North Dakota credit unions.
- North Dakota assets place: #24 of 29.
- North Dakota membership ordinal: #21 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.
Quarter path for Fargo Va
Fargo Va: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $13.8M (2025Q4) to $14.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.39% → 12.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.35% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.4 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.35% | -2.51 pp |
| Delinquency Rate | 0.05% | -1.10 pp |
| Return on Assets | 1.56% | +0.85 pp |
| Member Growth | -0.33% | - |
| Loan-to-Share Ratio | 59.92% | +0.12 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).
Fargo Va quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.2M | - |
| 2025Q4 | $13.8M | 1,491 |
| 2024Q4 | $13.9M | 1,496 |
| 2023Q4 | $14.1M | 1,516 |
Credit Union Details
- Charter Number
- 288
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- North Dakota
- City
- FARGO
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Fargo Va runs one office.
| Office | City |
|---|---|
| Fargo VA Federal Credit Union (Main Office) | Fargo, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
Other federally-insured credit unions in North Dakota, closest first by peer group and asset size.
Other-state peers near Fargo Va
Fargo Va's nationwide photo peers by assets and by health score, excluding North Dakota charters.
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 (91/100 here).
Using this data
- Fargo Va ranks #937 of 4,374 nationally on financial health and #7 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CCE
- 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 Va financially healthy?
A 12.35% net worth ratio and a 0.05% delinquency rate feed into Fargo Va's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #937 of 4,374; by total assets it ranks #3,369 of 4,374 nationally (same basis as /rankings/largest); and #24 of 29 within North Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fargo Va compare to other credit unions?
PlainCU's health composite puts Fargo Va at 91/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Va?
Fargo Va 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 Fargo Va directly for the current list of qualifying groups.
Is my money safe at Fargo Va?
Federal credit unions like Fargo Va 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 Va's net worth ratio of 12.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fargo Va offer compared to banks?
Credit unions like Fargo Va 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 Va 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.