Federal credit union · Lewistown, Montana · NCUA charter #8881
FERGUS
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $120.0M
- Total assets
- 6,467
- Members
- 13.4%
- Net-worth ratio
FERGUS scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $120.0M; members 6,467; net-worth ratio 13.42%; health rank #357 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#357 of 4,374 health · 2025Q4FERGUS · health 95/100 · $120.0M · 2025Q4
Call Report peers
FERGUS in the assets neighbourhood
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FERGUS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FERGUS sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 FERGUS
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.74 pp (81.94% vs 72.20%).
Montana standing for FERGUS
- Health composite ranks #6 of 41 among scored Montana credit unions.
- Montana assets place: #16 of 41.
- Membership ranks #14 of 41 among Montana CUs with a reported count (6,467 members).
- One place up in Montana, CLEARWATER (#5) scores 96/100, 1 point higher; one place down, GRASSLANDS (#7) ties at 95/100.
FERGUS: 2025Q4 → 2026Q1
FERGUS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $120.0M (2025Q4) to $118.9M (2026Q1).
- Net-worth ratio shifted +0.48 pp (12.94% → 13.42%).
13.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
FERGUS gives up 5 points in total. Member Growth costs the most, 4.3 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.3 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 15.0 pts
FERGUS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.42% | +1.31 pp |
| Delinquency Rate | 0.57% | -0.32 pp |
| Return on Assets | 1.21% | +0.59 pp |
| Member Growth | 1.38% | - |
| Loan-to-Share Ratio | 81.94% | +9.74 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
FERGUS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $118.9M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, FERGUS runs one office.
| Office | City |
|---|---|
| Fergus Federal Credit Union (Main Office) | Lewistown, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
More federally-insured credit unions based in Montana, ordered by peer group match and asset size.
FERGUS nationwide neighbourhoods
Using this data
- FERGUS ranks #357 of 4,374 nationally on financial health and #6 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RICHLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RICHLAND
Frequently Asked Questions
Is FERGUS financially healthy?
On its 2025Q4 NCUA 5300 filing, FERGUS scores 95/100 (Excellent), with a 13.42% net worth ratio and 0.57% of loans delinquent. It ranks #357 of 4,374 nationally on health and #6 of 41 in Montana.
How does FERGUS compare to other credit unions?
FERGUS scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.94% vs 72.20%).
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?
FERGUS 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. FERGUS's net worth ratio of 13.42% 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.