F.F.E. Federal Credit Union
Total assets
$3.5M
▼ -6.1% YoY
Shares & deposits
$3.0M
▼ -7.0% YoY
Loans
$630K
▼ -18.2% YoY
Members
442
▼ -2.9% YoY
ROA (annualized)
-0.19%
peers 0.60%
ROE (annualized)
-1.30%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.1% | +1.3% | -7.4 pts |
| Share growth (YoY) | -7.0% | +0.7% | -7.6 pts |
| Loan growth (YoY) | -18.1% | -2.4% | -15.8 pts |
| ROA | -0.19% | 0.60% | -0.8 pts |
| ROE | -1.3% | 4.1% | -5.4 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- P. O. Box 2551, Fargo, ND, 58108
- NCUA charter #
- 9102
- RSSD ID
- 153287
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.5M | $3.0M | $630K | $506K | $-2K | -0.19% | 2.14% | 0.00% | 442 |
| Q4 2025 | $3.5M | $3.0M | $747K | $508K | $-2K | -0.04% | 2.16% | 0.00% | 443 |
| Q3 2025 | $3.6M | $3.1M | $675K | $508K | $-60 | -0.00% | 2.16% | 0.00% | 446 |
| Q2 2025 | $3.5M | $3.0M | $664K | $509K | $1K | 0.07% | 2.22% | 0.00% | 452 |
| Q1 2025 | $3.8M | $3.3M | $769K | $509K | $1K | 0.15% | 2.10% | 0.00% | 455 |
| Q4 2024 | $3.9M | $3.4M | $908K | $508K | $-38K | -0.99% | 1.24% | 0.00% | 462 |
| Q3 2024 | $3.8M | $3.3M | $984K | $533K | $1K | 0.05% | 2.15% | 0.00% | 467 |
| Q2 2024 | $4.0M | $3.4M | $1.1M | $536K | $3K | 0.17% | 2.12% | 0.00% | 468 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $574K · securities $2.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.19% | 0.60% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | -1.3% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | 3.83% | 4th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 108.6% | 81.5% | 90th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Dakota Plains Credit UnionEdgeley, ND · $94.4M
- Metro Federal Credit UnionArlington Heigh, IL · $78.7M
- Cove Federal Credit UnionEdgewood, KY · $78.8M
- Bay Cities Credit UnionHayward, CA · $78.8M
- Castparts Employees Federal Credit UnionPortland, OR · $78.9M
- Enbright Credit UnionNashville, TN · $78.9M
Selling to F.F.E. Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.