FARGO VA
Charter #288 · FARGO, ND · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,493 sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 55th percentile but its structural peers at the 39th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FARGO VA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.16M | 18th pct | 18th pct |
| Members | 1,493 | 24th pct | 13th pct |
| Net worth ratio | 12.35% | 39th pct | 46th pct |
| Return on average assets | 0.97% | 67th pct | 66th pct |
| Net interest margin | 4.32% | 72th pct | 59th pct |
| Cost of funds | 0.47% | 31th pct | 34th pct |
| Loan-to-share | 60.51% | 55th pct | 39th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.00% | 22th pct | 16th pct |
| Loan growth YoY | 6.29% | 95th pct | 98th pct |
| Share growth YoY | 5.36% | 77th pct | 75th pct |
| Efficiency ratio | 81.50% | 53th pct | 56th pct |
structural peer set hash: 9bfe6f8cf99a7588da7ed375d418c984… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.