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
Call Report peers
Fargo Va in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Fargo Va sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in North Dakota, Affinity First (#6) ties at 91/100; one place down, Aspire Community (#8) scores 90/100, 1 point lower.
Quarter path for Fargo Va
Fargo Va: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $13.8M (2025Q4) to $14.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (12.39% → 12.35%).
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
Fargo Va gives up 9 points in total. Member Growth costs the most, 6.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Fargo Va financially healthy?
Fargo Va has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #937 of 4,374 nationally on health and #7 of 29 in North Dakota. Its net worth ratio is 12.35% and its delinquency rate 0.05%.
How does Fargo Va compare to other credit unions?
Fargo Va scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.05% vs 1.15%). Its widest shortfall is net worth ratio (12.35% vs 14.86%).
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?
Fargo Va 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 Va's net worth ratio of 12.35% 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.