BlastPoint's Credit Union Scorecard
FARGO PUBLIC SCHOOLS
Charter #47 · ND
FARGO PUBLIC SCHOOLS has 2 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 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Efficiency ratio 1.75% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,348
-0.5% YoY-0.6% QoQ
|
-267 |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$57.4M
+0.2% YoY+1.0% QoQ
|
+$27.3M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$22.3M
-6.7% YoY-2.7% QoQ
|
+$6.5M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$50.1M
-0.3% YoY+1.0% QoQ
|
+$24.5M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.4%
+0.6% YoY-10.3% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
2.4%
+25.5% YoY+0.6% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio |
84.3%
+1.4% YoY+2.1% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.0%
-51.2% YoY+100.8% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
44.4%
-6.4% YoY-3.6% QoQ
|
-16.2% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$30,838
-1.9% YoY+0.4% QoQ
|
+$16K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 3.8% in tier |
| CD Concentration |
31.0%
+8.2% YoY+2.5% QoQ
|
+6.6% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 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)