Federal credit union · FARGO, North Dakota · NCUA charter #9102
F.F.E.
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $3.5M
- Total assets
- 443
- Members
- 14.3%
- Net-worth ratio
F.F.E. scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.5M; members 443; net-worth ratio 14.30%; health rank #3,864 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,864 of 4,374 health · 2025Q4F.F.E. · health 65/100 · $3.5M · 2025Q4
- MEM 65/100
- RANK 14.3%
- PHOTO 0.00%
- BOOK -1.08%
- CHARTER $3.5M
- NCUSIF 443
- CAMELS #3,864/4,374
- HEALTH n/a
- NW 9102
Call Report peers
F.F.E. carries $3.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
F.F.E. 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
65 11th percentile higher than 11% 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
F.F.E. - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9102 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
F.F.E. vs $2M–$10M peers
- Largest favorable gap: Delinquency Rate at 0.00% vs peer 1.81% (-1.81 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -39.02 pp (24.58% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where F.F.E. sits in North Dakota
- In North Dakota, health place is #28 of 29 on the same NCUA-ratio sort used nationally.
- By total assets, F.F.E. is #28 of 29 in North Dakota.
- Membership ranks #26 of 29 among North Dakota CUs with a reported count (443 members).
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How F.F.E.'s 5300 filing moved
F.F.E.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $3.5M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted -0.01 pp (14.31% → 14.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 8.4 pts
F.F.E. health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.30% | -4.76 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -1.08% | -1.54 pp |
| Member Growth | -4.11% | - |
| Loan-to-Share Ratio | 24.58% | -39.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - F.F.E.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.5M | - |
| 2025Q4 | $3.5M | 443 |
| 2024Q4 | $3.9M | 462 |
| 2023Q4 | $4.1M | 472 |
Credit Union Details
- Charter Number
- 9102
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- North Dakota
- City
- FARGO
- Data Quarter
- 2025Q4
Branch Location
F.F.E. operates a single office in Fargo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| FFE Federal Credit Union (Main Office) | 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.
F.F.E. nationwide neighbourhoods
Cross-state asset and health neighbours for F.F.E. - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- F.F.E. ranks #3,864 of 4,374 nationally on financial health and #28 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lisbon Farmers Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lisbon Farmers Union
- 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 F.F.E. financially healthy?
F.F.E. has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,864 of 4,374; by total assets it ranks #4,003 of 4,374 nationally (same basis as /rankings/largest); and #28 of 29 within North Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.30% and delinquency rate of 0.00%.
How does F.F.E. compare to other credit unions?
65/100 is F.F.E.'s score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 F.F.E.?
F.F.E. carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact F.F.E. directly to confirm current membership steps.
Is my money safe at F.F.E.?
Federal credit unions like F.F.E. 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. F.F.E.'s net worth ratio of 14.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does F.F.E. offer compared to banks?
Credit unions like F.F.E. 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 F.F.E. 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.