Side-by-side · Q2 2026 data
First United Bank vs Fargo Public Schools Federal Credit Union
Credit union
Fargo Public Schools Federal Credit Union
Fargo, North Dakota · Under $100 million in assets
Metric by metric
| Measure | First United Bank | Fargo Public Schools Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 51 | 72 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 87 (stronger) | 42 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 72nd | 65th |
| Total assets | $810.8M | $58.2M |
| Deposits / shares | $702.1M | $50.8M |
| Capital ratio | 10.13% | 12.24% (stronger) |
| Problem loans | 0.01% (stronger) | 0.01% |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 1.66% (stronger) | 0.54% |
| Loans ÷ deposits | 81.9% | 41.3% (stronger) |
| Uninsured deposits | 21.6% | 0.1% (stronger) |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
Fargo Public Schools Federal Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First United Bank leads on 3 and Fargo Public Schools Federal Credit Union on 4. 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.