FARGO PUBLIC SCHOOLS
Charter #47 · Fargo, ND · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,349 sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 2.48% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.47% sits at the 85th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.02% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
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 PUBLIC SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $57.65M | 20th pct | 33th pct |
| Members | 2,349 | 3th pct | 3th pct |
| Net worth ratio | 12.24% | 43th pct | 43th pct |
| Return on average assets | 0.65% | 46th pct | 48th pct |
| Net interest margin | 2.48% | 4th pct | 3th pct |
| Cost of funds | 1.47% | 78th pct | 85th pct |
| Loan-to-share | 41.91% | 16th pct | 28th pct |
| Delinquency 60+ days | 0.02% | 3th pct | 11th pct |
| Net charge-off ratio | 0.00% | 14th pct | 18th pct |
| Loan growth YoY | -7.66% | 7th pct | 3th pct |
| Share growth YoY | 1.45% | 35th pct | 38th pct |
| Efficiency ratio | 80.32% | 52th pct | 44th pct |
structural peer set hash: 78feafb91d970e76c76843cc276c98d9… (reproducible)
Closest structural peers
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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.