FARGO PUBLIC SCHOOLS
Charter #47 | ND
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in ND
FARGO PUBLIC SCHOOLS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 1.19% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,361
+0.1% YoY-0.1% QoQ
|
-264 |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
58th in tier |
| Assets |
$56.8M
-0.6% YoY-0.9% QoQ
|
+$27.0M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 18.6% in tier |
| Loans |
$22.9M
-4.3% YoY-0.2% QoQ
|
+$7.1M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
74th in tier |
| Deposits |
$49.7M
-1.1% YoY-1.3% QoQ
|
+$24.2M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 18.0% in tier |
| ROA |
0.5%
+1.3% YoY+30.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
36th in tier |
| NIM |
2.4%
+29.8% YoY+2.0% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
82.6%
+1.0% YoY-4.1% QoQ
|
+1.2% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
61st in tier |
| Delinquency Rate |
0.0%
-93.8% YoY-41.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.6% in tier |
| Loan To Share |
46.0%
-3.2% YoY+1.1% QoQ
|
-15.2% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
27th in tier |
| AMR |
$30,723
-2.3% YoY-0.9% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 3.7% in tier |
| CD Concentration |
30.2%
+5.1% YoY+4.7% QoQ
|
+5.8% |
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
95
Average Member Relationship (AMR)
engagement
Value:
$30,723
Peer Avg: $14,627
#95 of 2596
Top 3.6% in <100M tier
240
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,686
Peer Avg: $5,488
#240 of 2596
Top 9.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
354
Total Delinquency Rate (60+ days)
risk
Value:
0.01%
Peer Avg: 1.51%
#354 of 2596
Top 13.6% in <100M tier
382
Fee Income Per Member
profitability
Value:
$149.77
Peer Avg: $182.96
#382 of 2596
Top 14.7% in <100M tier
468
Total Deposits
balance_sheet
Value:
$49.67M
Peer Avg: $25.45M
#468 of 2596
Top 18.0% in <100M tier
483
Total Assets
balance_sheet
Value:
$56.85M
Peer Avg: $29.86M
#483 of 2596
Top 18.6% in <100M tier
Top Weaknesses (2 metrics)
2427
Net Interest Margin (NIM)
profitability
Value:
2.41%
Peer Avg: 3.93%
#2427 of 2596
Bottom 6.5% in <100M tier
2159
Share Certificate Concentration (%)
balance_sheet
Value:
30.24%
Peer Avg: 15.37%
#2159 of 2596
Bottom 16.9% in <100M tier