BlastPoint's Credit Union Scorecard
FARGO PUBLIC SCHOOLS
Charter #47 · ND
FARGO PUBLIC SCHOOLS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.8% in tier
- + Fee Income Per Member: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Net Interest Margin (NIM): Bottom 6.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +0.8% year over year ($50.8M in shares and deposits).
- Membership: 2,346 members, -0.8% vs a year ago.
- Delinquency rate 0.01%.
- Return on assets 0.55%.
- Efficiency ratio 83.00% vs a 88.77% peer average.
- Loan-to-share ratio 41.35% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,346
-0.8% YoY-0.1% QoQ
|
-239 |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$58.2M
+1.4% YoY+0.9% QoQ
|
+$27.9M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$21.0M
-8.4% YoY-0.6% QoQ
|
+$5.5M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$50.8M
+0.8% YoY+0.7% QoQ
|
+$25.0M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.5%
+45.2% YoY-16.1% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
2.5%
+5.7% YoY+0.6% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
83.0%
-3.6% YoY+3.3% QoQ
|
-5.8% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Top 13.7% in tier |
| Loan To Share |
41.3%
-9.2% YoY-1.3% QoQ
|
-17.5% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$30,586
-1.3% YoY+0.5% QoQ
|
+$16K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 3.9% in tier |
| CD Concentration |
31.9%
+10.5% YoY+1.6% QoQ
|
+7.4% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 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)