# FARGO PUBLIC SCHOOLS
Fargo, ND · NCUA charter 47 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fargo-public-schools-47

Who the members are: federal charter, educational (single sponsor), organized 1934, low-income designated. 2,349 members of 2,349 potential (100.0% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $57.6M |
| Members | 2,349 (-0.4% YoY) |
| Full-time staff | 8 |
| Net worth | $7.1M |
| Net worth ratio | 12.2% (p43 of band) |
| ROA (annualized) | 0.65% (p46 of band) |
| Total delinquency | 0.02% (p3 of band) |
| Net charge-offs (annualized) | 0.00% (p15 of band) |
| Loans / shares | 42% (p16 of band) |
| Cash / assets | 57.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.48% (p4 of band) |
| Operating expense / assets | 2.66% (p20 of band) |
| Vehicles % of loans | 32% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 31% |
| Average share balance | $9,984 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,851 |
| Loans granted, annualized | $4.8M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 0 |  | net worth falling, delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 | delinquency rising | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | members leaving | net worth falling, delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 | delinquency rising | members leaving, net worth falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | losing money |  |
| 2023-06 | 1 | delinquency rising | losing money |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-25 [Woman accused of stealing more than $1 million from Fargo property management company - The Mighty 790 KFGO](https://news.google.com/rss/articles/CBMiswFBVV95cUxQOEU3RWVILWRvY1RUbE1fZkJOLW9ES1BON1lldXhaUWd1WTUwMnhEOW56UDMwcnRiOWp1eE1GRDZBeXlUcWxyOWFuWDNzMnpUTVNOVlg5MXN0aHRyQVNLQXNIWFNZdXZqdDJFUW1OY3BlX2hvZVhSU3RwT2M3T1A0cHY5WVBjX2tQc3RZZG92UWc3NXk4M2dRX2JNdnZRWnd1Szc4bkMyR28yUTN5S2NZZm45VQ?oc=5) · The Mighty 790 KFGO
- 2023-12-12 [Distinctive Fargo Public Schools administrative building tentatively sold - InForum](https://news.google.com/rss/articles/CBMirAFBVV95cUxNLXhUdmtKaFVVTVhIcUNKSkhJQ1F5WE05bGdqeDR3a2NmRkE3bW5qSHJZcW90ckplSmFNTjVqSEo0UmFqMFY0Tndaajluc2ZxNmlEdmVMWllFcTJKeTFjbkp1cUZ6N2pGa2N2QWltLUdmVlFHdEgzTEx6R2NoelUxVHZmSURsU0ZXZ3dCRVFTYWp4Qm90M3hGSXgwWkJ0WEl0RXZHaEZ3NVBzQTB2?oc=5) · InForum
- 2022-05-23 [Jane D. Reff - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBCS3AwQzJwSktGWGREa0lKTlhHRDdRR0w0T0xqbzJDbnhjbTFWT3RURnF1X0dXRzRqV1I1RmcweUFCSms3MVUtR3d6WVFLdlAzWjJTSGI4dEJJaXRCM3c?oc=5) · Boulger Funeral Home
- 2026-03-25 [Woman Accused of Stealing $1M from Fargo property company - Valley News Live](https://news.google.com/rss/articles/CBMilgFBVV95cUxQUTYzNHgtaVh3dm1WakpmdEVjVHdUeFQ3Q2dqLTdvUVRoUG9GZDdha3YtcUVsNzBGc24zVlVLRm9RQTAtX2JSdS1TVEdhalRHVDA4M1h3WGJEU2t0akM5Uy1HWF9DSTMxeWdLa05oNXhMdVdYc0VmcjNZTGNuQV9yQmM0Z2gtY1JtbEtjVm9lNDhtdUZoRXfSAaoBQVVfeXFMTk1ZTENfWmlINHl5N3J2bGk3RHlCZHUtcEJTNmtUUWtDNlZkN3FnMUFOcFl6bnVzSVdfdnZWY0JEdWZXN050Z0lZZTRxblBxbUdJR2lmSkd0bnBHYjlKNlMwSDIzOHhJbEFoMWt3MWVmRTI4R0ZZNFlhWTg2NTI4MEpKTjQ4c1V2N3BGbEZ0SC1ra014bHhXZ0NpQkxUMzhydU1KcWI1TXpoQVE?oc=5) · Valley News Live
- 2007-08-27 [Bonnie F. Kracke Obituary Aug 27, 2007 - Wright Funeral Home and Cremation Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE8xek1ER1o4REI4UTh4MzYxZkJYaTFyNVdaVnlNcjBXMWRSZ0FMclcwZ3dXSktZQ1RZMDV5ZzFyOEV0eVdzbkFOc1FmdWRFTHlUZ3hWc3BtSEF1Z25MNnB1aVVmblJwbEE?oc=5) · Wright Funeral Home and Cremation Service
- 2020-11-20 [Jane Reff - The Mighty 790 KFGO](https://news.google.com/rss/articles/CBMiS0FVX3lxTE1xQ1kxVzJJS0VnRF9KcGktRW51NV9WVjJhaklPa2R3N0FxMzdTU1ZhRWJfaEk5V25tUXdNdHVMUXdlT2VYc241cGJ2QQ?oc=5) · The Mighty 790 KFGO
- 2025-02-07 [Ross A. Olson - Boulger Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1RUWZ0a3RzZGhCYXd0QkdvaVNtYVBjMERMYmJtbGhuM1JzUVNrRXhCbHAxQTlZY0VYVzhIZi1fdmNzYVphREt0aDlidDktWUVwWlgtd1NHMU1lYzJvemxz?oc=5) · Boulger Funeral Home
- 2026-04-28 [Fargo crisis center gets new name and new, larger home - InForum](https://news.google.com/rss/articles/CBMikgFBVV95cUxQMmI2ZTRkTkNYM01lVnFOTHFMVEYxV003dEQtSE1GTW5wcXpuSlpqeVNBdHBRYTZEYnhiU0I1UnBpTU4zcDZ3azBMcFhXT2ZxWWF5cjZRUzNXZ2F1OHpXU3hVOWc1cDRQNnZ1aG1hQ19zZ1BQYVA5RmNDdk54T3Bsa3Y2ay00MEtWUExKYnpMR2NqQQ?oc=5) · InForum

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=47 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/47.json (key "47", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=47
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide