# FERGUS
Lewistown, MT · NCUA charter 8881 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/fergus-8881

Who the members are: federal charter, community charter, organized 1953, low-income designated. 6,485 members of 60,000 potential (10.8% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *fortress*. 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 | $118.9M |
| Members | 6,485 (1.3% YoY) |
| Full-time staff | 21 |
| Net worth | $16.0M |
| Net worth ratio | 13.4% (p71 of band) |
| ROA (annualized) | 1.99% (p95 of band) |
| Total delinquency | 0.30% (p22 of band) |
| Net charge-offs (annualized) | -0.01% (p6 of band) |
| Loans / shares | 85% (p81 of band) |
| Cash / assets | 23.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.23% (p80 of band) |
| Operating expense / assets | 2.93% (p25 of band) |
| Vehicles % of loans | 42% (p60 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 21% |
| Third-party paper % of net worth | 48% (p55 of band) |
| Vehicle delinquency | 0.24% (p26 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 16% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 113% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 26% |
| Average share balance | $8,322 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $696,999 |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $20,918 |
| Loans granted, annualized | $45.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $696,999 outstanding purchased (4.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 3.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | net worth falling, delinquency 2x band |  |
| 2017-03 | 1 |  | net worth falling |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | members leaving | delinquency rising |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 2 |  | delinquency rising |
| 2018-09 | 2 | delinquency rising | members leaving |
| 2018-12 | 3 | net worth falling |  |
| 2019-03 | 4 | losing money, 3rd-party paper>100% NW | delinquency rising |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 2 |  | losing money, net worth falling |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | margin squeeze | 3rd-party paper>100% NW |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | delinquency 2x band |  |
| 2022-06 | 1 | delinquency rising | delinquency 2x band |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | delinquency 2x band |  |
| 2023-06 | 0 |  | delinquency 2x band |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2025-04-11 [America's Best Regional Banks and Credit Unions 2025 - Montana - Newsweek Rankings](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZ2J0bjZCNmZSb1haRXJuaHlrUC02RzNhNF9ZVTZrVTcyTGVMcWRxOHJxdXdNN1VtUG5yYW9sV3dRVEY5VXo5eWxXLW16VnNrcnljZ1VIRG8tblgxSTRvQTh2V2FUN1ZyRWpUZkdKdnR1LVRTUmp6OUE4VFhrbVZpeW5lclZIYWRvR0lBakR3?oc=5) · Newsweek Rankings
- 2023-01-26 [Credit Union makes significant donation to CMMC cancer center - Lewistown News-Argus](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOXzltLXRnLUdkdEI2VFBPZjdEZlJBU0x1M3VFYjdieUFwWGdLamxUeG1sbkZDRDdTeVpJd2tjNmlraEdCdjdMNHJydkRuMWN4VEhUdGs2TjNlTG43TWN0R0FaWHdRX0R1R1FhQ1ZIeVhCUHlVM0xVTzQ0VW1sOFZiVXFzRHhGNVFHaVNoMUtmM1dIeUhhcHVTRllNaGNud0R6UGl3OGlwYm9YM3RzMjZGYV9BakNQaGsxelp0WHY4X2ptcVU1aU02eFNFUUVnd3V4UWFabmpBTFk0ZWRjNGdv?oc=5) · Lewistown News-Argus
- 2024-02-17 [Tom Sampson Obituary Feb 17, 2024 - Stevenson Funeral Homes](https://news.google.com/rss/articles/CBMia0FVX3lxTFAxeXZaMjFKbUNaMmk2VEVpTHdPRHRxdjNqdzlFTkVSRWVUT2lMa01uZ2oweWxHVWl4UERBSXVuS1RIYXdQSEhkSDRmSURLMC1UTGw5bkFrTnQ3R1o4anh0NFpiai1QdmJlWG13?oc=5) · Stevenson Funeral Homes
- 2023-01-31 [Two central Montana ranchers plead guilty to federal fraud charges - Great Falls Tribune](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQNjlBMFhLS183UFJxaDl3bTA5dnNPZzN3TXJ2cHJYbUZWNnpVdzZkMW5jNkkwbUlZX0hvWWZEY192X2NyT05oOEoydmtZRHFSUFFibUpvc0lvcW9Ecl9zX0RQWEJHN3Nub3FheDk2NjFBQ2JDTnJMTTVFaG9mRkFhVmE1NG91aVdHNFgtV1p1aUFCTWpsbUR4TXd3UnByY3ZUemdmUW1UeFU4NjhKMXRSV1h4Nm1ZQzhnUHFrdDQ0Z0dYMkU3NGl6YWFJdDNSSE9LcGFXLWx0cWM?oc=5) · Great Falls Tribune
- 2023-01-26 [Attorney: Lewistown man sentenced after admitting to defrauding bank - montanarightnow.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNUTJmNFhOaU93ak9SZjRLVUVydDcwTG91T2Vlb0JLTU81VU1aekY2Z21sSEJVZ29JRnRCRHZsa1dYRmdmLUhMSE9lWUlSTFFYOTdIMm9FZkEzNnFyQmxyMTVFRmEyVU1obmYyYk4zcXhFUHJHQUZ2cnlmeFZiMG10ME5LVmp0ckNrSXQ4aEd1clpPRzBWZ1FJcUF0QlQ5T0pIVDAtN0trUUtmVmJwVlRpOGtVVXBQNHBnMjRJdkY0bWdxdVVaallISHpkMEpSRnpSVmZ1U2ExbzdSZUVrN2dYMW1OY3BpOE5KYndCZXlldmRFREU?oc=5) · montanarightnow.com
- 2023-09-12 [James Erick Lunde - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9EeGhteUl6bnM2YUxfY1Z1Z2pwenpjTEl5cmN4X3d6dnEySTc5d1ZwNjVIdjJIdTQzcmp3YWJoWGZ3VzkxTFRDOEtzRlJBLVJLaThvRU8xMDJZb2JKOHRmeTFSY1A?oc=5) · Eddy Funeral Home
- 2025-11-10 [An SC company just scooped up $85M worth of property in York, Lancaster County - Rock Hill Herald](https://news.google.com/rss/articles/CBMickFVX3lxTE9MbDh1ZXE4bmNtRjNoczR1MDRSQ3hLaDJRS2F6TkU4Q1dQUWZUejFJbHBRekxWVkc1Uk5mNVhleXcwdEY2b0h5UjZlQnN4MldqcUxyTkVMQjFid2JYNVVDM1E0TFRUSU1nY0lLQVpxNFRLUdIBckFVX3lxTE1GS09oUW9McmF5V0JEMnRhU09iREVRT1IwMkhNb1dkSlhCY1BaY2RiWUJSX19mRlFobDdPcW5DTnNhRXE2X1pGOExMZ2RZbWJfQ2tCWUV5NzNTUk42S3VSam9DaXpKSHdfM0dKT2xjNThQQQ?oc=5) · Rock Hill Herald
- 2025-09-30 [Mount Vernon Kiwanis Club, Gault’s Cleaners launch 2025 Coats for Kids - Knox Pages](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVHExVTlyRjZVcTBmYW1FV3QzQ1dtVG5vbXQ3aXdjNEJtV3h0N1FlT2hjZjBDNTd1bWJrSlJPVUVvUGdLUjNVbjhURElaSllRUi1XSTZfYUJCbktrOHNSYzFkWVJJeHVNQXY3UGd2dDg0MndkM3ozaXJkX3hiaUNrN3gtV3lvZXZzTUpDNHZWSE12Vnh1QnZjX01Yb19HeFFxdTRDa1VvR0gwUQ?oc=5) · Knox Pages

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8881 (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/49.json (key "8881", 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=8881
- 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