Fargo Va Federal Credit Union
Total assets
$14.2M
▲ +2.6% YoY
Shares & deposits
$12.4M
▲ +1.9% YoY
Loans
$7.5M
▲ +1.3% YoY
Members
1,493
▲ +0.2% YoY
ROA (annualized)
0.96%
peers 0.60%
ROE (annualized)
7.78%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +1.3% | -2.4% | +3.7 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 2101 N Elm, Fargo, ND, 58102
- NCUA charter #
- 288
- RSSD ID
- 31572
- 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 | $14.2M | $12.4M | $7.5M | $1.7M | $34K | 0.96% | 4.27% | 0.00% | 1,493 |
| Q4 2025 | $13.8M | $12.1M | $7.2M | $1.7M | $121K | 0.87% | 4.56% | 0.05% | 1,491 |
| Q3 2025 | $13.5M | $11.7M | $7.0M | $1.7M | $118K | 1.17% | 4.64% | 0.38% | 1,487 |
| Q2 2025 | $13.3M | $11.6M | $7.3M | $1.7M | $80K | 1.21% | 4.75% | 0.17% | 1,495 |
| Q1 2025 | $13.8M | $12.2M | $7.4M | $1.6M | $39K | 1.12% | 4.52% | 0.08% | 1,490 |
| Q4 2024 | $13.9M | $12.2M | $7.5M | $1.6M | $216K | 1.56% | 4.29% | 0.11% | 1,496 |
| Q3 2024 | $13.5M | $11.9M | $7.8M | $1.6M | $177K | 1.75% | 4.30% | 0.01% | 1,512 |
| Q2 2024 | $13.6M | $12.1M | $7.9M | $1.5M | $109K | 1.60% | 4.12% | 0.02% | 1,533 |
Loan mix (Q1 2026): real estate $1.7M · commercial $96K · consumer $4.7M · securities $5.2M
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 | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 81.5% | 50th | |
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.
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