F.F.E.
Charter #9102 | ND
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in ND
F.F.E. has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 18.71% above tier (higher cost structure)
- - Member decline: -4.5% YoY
- - Loan Growth Rate: Bottom 2.2% in tier
- - Net Interest Margin (NIM): Bottom 4.5% in tier
- - Loan-to-Share Ratio: Bottom 5.5% in tier
- - Asset Growth Rate: Bottom 8.7% in tier
- - AMR Growth Rate: Bottom 8.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
- - Total Loans: Bottom 9.1% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
446
-4.5% YoY-1.3% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 12.4% in tier |
| Assets |
$3.6M
-7.4% YoY+1.9% QoQ
|
$-26.3M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.7% in tier |
| Loans |
$674,961
-31.4% YoY+1.7% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.1% in tier |
| Deposits |
$3.1M
-7.8% YoY+2.3% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.1% in tier |
| ROA |
-0.0%
-104.5% YoY-103.2% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 16.0% in tier |
| NIM |
2.2%
+3.1% YoY+1.9% QoQ
|
-1.8% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
100.1%
+2.5% YoY+3.5% QoQ
|
+18.7% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Top 10.9% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
22.1%
-25.6% YoY-0.5% QoQ
|
-39.2% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.3% in tier |
| AMR |
$8,368
-9.1% YoY+3.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 21.3% 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (17 metrics)
2540
Loan Growth Rate
growth
Value:
-31.43%
Peer Avg: 59.01%
#2540 of 2596
Bottom 2.2% in <100M tier
2479
Net Interest Margin (NIM)
profitability
Value:
2.18%
Peer Avg: 3.93%
#2479 of 2596
Bottom 4.5% in <100M tier
2454
Loan-to-Share Ratio
balance_sheet
Value:
22.08%
Peer Avg: 61.23%
#2454 of 2596
Bottom 5.5% in <100M tier
2372
Asset Growth Rate
growth
Value:
-7.36%
Peer Avg: 1.82%
#2372 of 2596
Bottom 8.7% in <100M tier
2371
AMR Growth Rate
growth
Value:
-9.12%
Peer Avg: 4.67%
#2371 of 2596
Bottom 8.7% in <100M tier
2367
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,513
Peer Avg: $5,488
#2367 of 2596
Bottom 8.9% in <100M tier
2361
Total Loans
balance_sheet
Value:
$674,961
Peer Avg: $15.77M
#2361 of 2596
Bottom 9.1% in <100M tier
2339
Fee Income Per Member
profitability
Value:
$2.03
Peer Avg: $182.96
#2339 of 2596
Bottom 9.9% in <100M tier
2326
Deposit Growth Rate
growth
Value:
-7.79%
Peer Avg: 16.80%
#2326 of 2596
Bottom 10.4% in <100M tier
2315
Efficiency Ratio
profitability
Value:
100.10%
Peer Avg: 81.39%
#2315 of 2596
Bottom 10.9% in <100M tier