BlastPoint's Credit Union Scorecard
FARGO PUBLIC SCHOOLS
Charter #47 · 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
|
58% |
| 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
|
81% |
| 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
|
74% |
| 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
|
82% |
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| 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
|
36% |
| 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
|
61% |
| 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
|
27% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)