TellerScore

Side-by-side · Q2 2026 data

Bell Bank vs F.F.E. Federal Credit Union

Bank

Bell Bank

Fargo, North Dakota · $10 billion – $100 billion

59of 100
Moderate

Credit union

F.F.E. Federal Credit Union

Fargo, North Dakota · Under $100 million in assets

79of 100
Strong

Metric by metric

MeasureBell BankF.F.E. Federal Credit Union
TellerScore5979 (stronger)
Capital cushion5085 (stronger)
Loan quality70100 (stronger)
Earnings57 (stronger)16
Funding & liquidity43100 (stronger)
Problem-loan coverage85100 (stronger)
Peer percentile25th62nd
Total assets$15.2B$3.8M
Deposits / shares$12.4B$3.2M
Capital ratio9.98%13.49% (stronger)
Problem loans0.90%0.00% (stronger)
Net charge-offs0.02%0.00% (stronger)
Return on assets0.93% (stronger)-0.09%
Loans ÷ deposits105.9%19.8% (stronger)
Uninsured deposits25.3%6.9% (stronger)
Offices321
CFPB complaints (3 yrs)53—
Complaints per $1B deposits4.3—
Mortgage denial rate (HMDA)7.1%—

F.F.E. Federal Credit Union has the higher TellerScore (79 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Bell Bank leads on 1 and F.F.E. Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

Where both have branches

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