Federal credit union · FARGO, North Dakota · NCUA charter #9102
F.f.e.
Health score 65/100 (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. - 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. - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth11
- Liquidity (loan-to-share)55
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.31% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -1.08% | 15% |
| Member Growth | -4.11% | 15% |
| Loan-to-Share Ratio | 24.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About F.f.e.
443 members and $3.5M in total assets sit behind F.f.e., a federal credit union in FARGO, North Dakota, which posts a health score of 65/100 (Good) on the five-factor composite, with $747K in outstanding loans as of Q4 2025 and a net worth ratio of 14.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #9102 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 24.58% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.08% on net income of $-38467 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 -4.11%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.31% 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 14.31% 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.
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.