FARGO VA
Charter #288 | ND
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in ND
FARGO VA demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,487
-1.7% YoY-0.5% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
40th in tier |
| Assets |
$13.5M
-0.1% YoY+1.3% QoQ
|
$-16.4M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
39th in tier |
| Loans |
$7.0M
-9.3% YoY-4.0% QoQ
|
$-8.7M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
42nd in tier |
| Deposits |
$11.7M
-1.4% YoY+1.1% QoQ
|
$-13.7M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
1.2%
-32.5% YoY-1.1% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
69th in tier |
| NIM |
4.7%
+9.2% YoY-0.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Top 21.6% in tier |
| Efficiency Ratio |
79.2%
+20.2% YoY+0.3% QoQ
|
-2.2% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
52nd in tier |
| Delinquency Rate |
0.4%
+3204.1% YoY+129.0% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
36th in tier |
| Loan To Share |
60.0%
-8.0% YoY-5.1% QoQ
|
-1.3% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
48th in tier |
| AMR |
$12,641
-2.9% YoY-0.4% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
44th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
213
Net Charge-Off Rate
risk
Value:
-0.01%
Peer Avg: 0.57%
#213 of 2596
Top 8.2% in <100M tier
401
Members Per Employee (MPE)
engagement
Value:
495.667
Peer Avg: 365.701
#401 of 2596
Top 15.4% in <100M tier
561
Net Interest Margin (NIM)
profitability
Value:
4.67%
Peer Avg: 3.93%
#561 of 2596
Top 21.6% in <100M tier
Top Weaknesses (1 metrics)
1988
Loan Growth Rate
growth
Value:
-9.30%
Peer Avg: 59.01%
#1988 of 2596
Bottom 23.5% in <100M tier