Side-by-side · Q2 2026 data
Western State 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 | Western State Bank | Fargo Public Schools Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 82 (stronger) | 72 |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 47 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 86th | 65th |
| Total assets | $2.5B | $58.2M |
| Deposits / shares | $2.1B | $50.8M |
| Capital ratio | 13.19% (stronger) | 12.24% |
| Problem loans | 0.90% | 0.01% (stronger) |
| Net charge-offs | 0.28% | 0.02% (stronger) |
| Return on assets | 2.01% (stronger) | 0.54% |
| Loans ÷ deposits | 104.8% | 41.3% (stronger) |
| Uninsured deposits | 22.1% | 0.1% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
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), Western State Bank leads on 2 and Fargo Public Schools Federal Credit Union on 5. 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.