Credit Union Safety Analysis
Is Fort Dodge Family Credit Union Safe? Fort Dodge, Iowa
Based on its Q2 2026 NCUA 5300 call report, Fort Dodge Family Credit Union has a net worth ratio of 12.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Fort Dodge Family Credit Union's net worth ratio is 12.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.89%
- Delinquency ratio (60+ days) (Q2 2026): 1.86%
- Return on assets (Q2 2026): 0.73%
- Loan-to-share ratio (Q2 2026): 71.74%
Fort Dodge Family Credit Union (NCUA charter 63159, established 1940) reported $41.5M in assets and 3,515 members for Q2 2026 from Fort Dodge, Iowa. It ranks 42 of 65 credit unions in Iowa by total assets. Total assets fell 2.6% from $42.6M on June 30, 2025. It has 14 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 0.39 percentage points from 12.50% on June 30, 2025. Used vehicle loans are its largest loan category, $11.1M of $25.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.86% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.47% for Q1 2026; 12.50% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.13% for Q1 2026; 1.81% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.43% for Q1 2026; 0.90% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 68.50% for Q1 2026; 66.52% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $11.1M
- 1- to 4-family residential and other consumer real estate loans: $5.4M
- Other unsecured loans and lines of credit: $4.2M
- New vehicle loans: $3.3M
- Other secured non-real estate loans and lines of credit: $1.6M
- Non-federally guaranteed student loans: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $41.5M | 12.89% | 1.86% | 0.73% | 71.74% |
| March 31, 2026 | $42.4M | 12.47% | 2.13% | 0.43% | 68.50% |
| December 31, 2025 | $41.4M | 12.64% | 2.13% | -1.02% | 69.07% |
| September 30, 2025 | $41.4M | 12.91% | 2.15% | 0.10% | 70.42% |
| June 30, 2025 | $42.6M | 12.50% | 1.81% | 0.90% | 66.52% |
| March 31, 2025 | $41.7M | 12.55% | 1.82% | 0.87% | 66.33% |
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Free to use. It shows Fort Dodge Family Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Fort Dodge Family Credit Union profile
Regulator records: NCUA credit union profile (charter 63159) · FFIEC NIC profile (RSSD 602897)
Frequently asked questions
Is Fort Dodge Family Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fort Dodge Family Credit Union's net worth ratio is 12.89%, above the 7% NCUA threshold for well capitalized.
Is Fort Dodge Family Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fort Dodge Family Credit Union is a federally insured credit union (NCUA charter 63159): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fort Dodge Family Credit Union's key safety ratios?
For Q2 2026, Fort Dodge Family Credit Union reports net worth 12.89%, delinquency 1.86%, ROA 0.73%, loan-to-share 71.74%.
What happens to my money if Fort Dodge Family Credit Union fails?
For Q2 2026, Fort Dodge Family Credit Union held $35.7M in shares and deposits for 3,515 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.