F.F.E.
Charter #9102 · FARGO, ND · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 442 sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.19% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.14% sits at the 7th 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 21st 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 | F.F.E. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.54M | 46th pct | 21th pct |
| Members | 442 | 39th pct | 23th pct |
| Net worth ratio | 14.30% | 34th pct | 41th pct |
| Return on average assets | -0.19% | 28th pct | 13th pct |
| Net interest margin | 2.14% | 8th pct | 7th pct |
| Cost of funds | 0.49% | 50th pct | 33th pct |
| Loan-to-share | 20.77% | 11th pct | 10th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | -6.69% | 41th pct | 56th pct |
| Share growth YoY | -0.79% | 43th pct | 34th pct |
| Efficiency ratio | 108.63% | 80th pct | 89th pct |
structural peer set hash: ebc043cd5b400cdf951f3bb2827371fb… (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.