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
Call Report peers
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F.F.E. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); F.F.E. sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in North Dakota, HOMETOWN (#27) ties at 65/100; one place down, Lisbon Farmers Union (#29) scores 55/100, 10 points lower.
How F.F.E.'s 5300 filing moved
F.F.E.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $3.5M (2025Q4) to $3.5M (2026Q1).
- Net-worth ratio shifted -0.01 pp (14.31% → 14.30%).
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
F.F.E. gives up 35 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is F.F.E. financially healthy?
F.F.E. has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,864 of 4,374 nationally on health and #28 of 29 in North Dakota. Its net worth ratio is 14.30% and its delinquency rate 0.00%.
How does F.F.E. compare to other credit unions?
F.F.E. scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (24.58% vs 63.60%).
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.?
F.F.E. 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. F.F.E.'s net worth ratio of 14.30% 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.