Federal credit union · Lewistown, Montana · NCUA charter #8881
Fergus
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $120.0M
- Total assets
- 6,467
- Members
- 12.2%
- Net-worth ratio
Fergus - Share Insurance Coverage
Charter #8881'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.
Fergus - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)100
- Member growth71
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
12.22% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.22% | 30% |
| Delinquency Rate | 0.57% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | 1.38% | 15% |
| Loan-to-Share Ratio | 81.94% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $120.0M | 6,467 |
| 2024Q4 | $111.6M | 6,379 |
| 2023Q4 | $103.2M | 6,340 |
Credit Union Details
- Charter Number
- 8881
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Lewistown
- Data Quarter
- 2025Q4
What This Data Says About Fergus
Charter #8881, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Fergus, a federal credit union in Lewistown, Montana with 6,467 members, $120.0M in total assets, and $85.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 95/100 (Excellent), helped by a net worth ratio of 12.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.57% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 81.94% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.21% on net income of $1.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.38%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Montana
More federally-insured credit unions based in Montana, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Fergus financially healthy?
Fergus scores 95/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.22% net worth ratio and a 0.57% delinquency rate.
How does Fergus compare to other credit unions?
On PlainCU's health composite, Fergus lands at 95/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Fergus?
Fergus operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Fergus directly for the exact boundaries and application steps.
Is my money safe at Fergus?
Federal credit unions like Fergus 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. Fergus's net worth ratio of 12.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fergus offer compared to banks?
Credit unions like Fergus 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 Fergus directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.