State credit union · Fort Dodge, Iowa · NCUA charter #63159
Fort Dodge Family
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $41.4M
- Total assets
- 3,489
- Members
- 10.2%
- Net-worth ratio
Fort Dodge Family - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63159: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Fort Dodge Family - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)47
- Earnings (ROA)98
- Member growth0
- Liquidity (loan-to-share)99
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.19% | 30% |
| Delinquency Rate | 2.13% | 25% |
| Return on Assets | 0.48% | 15% |
| Member Growth | -6.79% | 15% |
| Loan-to-Share Ratio | 69.07% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $41.4M | 3,489 |
| 2024Q4 | $40.6M | 3,743 |
| 2023Q4 | $38.4M | 3,975 |
Credit Union Details
- Charter Number
- 63159
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- Fort Dodge
- Data Quarter
- 2025Q4
What This Data Says About Fort Dodge Family
The five-factor composite scores Fort Dodge Family at 71/100 (Very Good), reflecting a net worth ratio of 10.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Fort Dodge, Iowa, reports 3,489 members, $41.4M in total assets, and $24.7M in outstanding loans as of Q4 2025 under charter #63159 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Deposits deployed into lending sit at a 69.07% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 2.13% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.48% on net income of $198K 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 -6.79%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Iowa
Other federally-insured credit unions in Iowa, closest first by peer group 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 Fort Dodge Family financially healthy?
Fort Dodge Family has a financial health score of 71/100 (Very 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 10.19% and delinquency rate of 2.13%.
How does Fort Dodge Family compare to other credit unions?
On PlainCU's health composite, Fort Dodge Family lands at 71/100, compared to a peer group average for $10M–$50M 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 Fort Dodge Family?
Membership eligibility for Fort Dodge Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fort Dodge Family directly for current membership requirements and application steps.
Is my money safe at Fort Dodge Family?
Federal credit unions like Fort Dodge Family 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. Fort Dodge Family's net worth ratio of 10.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fort Dodge Family offer compared to banks?
Credit unions like Fort Dodge Family 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 Fort Dodge Family 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.