| Metric | 4Front Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +5.1% | -6.5 pts |
| Share growth (YoY) | +1.7% | +4.9% | -3.2 pts |
| Loan growth (YoY) | -0.7% | +5.4% | -6.1 pts |
| ROA | 0.34% | 0.71% | -0.4 pts |
| ROE | 3.4% | 6.3% | -2.8 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.02B | $919.6M | $726.8M | $101.7M | $874K | 0.34% | 4.50% | 1.62% | 104,651 |
| Q4 2025 | $1.04B | $892.8M | $726.8M | $102.0M | $7.9M | 0.76% | 4.60% | 2.11% | 104,200 |
| Q3 2025 | $1.03B | $895.5M | $745.8M | $99.6M | $5.6M | 0.72% | 4.58% | 1.09% | 103,685 |
| Q2 2025 | $1.02B | $890.4M | $731.3M | $96.7M | $2.6M | 0.52% | 4.51% | 0.78% | 105,681 |
| Q1 2025 | $1.03B | $904.3M | $731.7M | $94.8M | $698K | 0.27% | 4.34% | 0.67% | 105,327 |
| Q4 2024 | $1.03B | $900.3M | $741.9M | $99.5M | $3.7M | 0.36% | 4.22% | 1.23% | 105,437 |
| Q3 2024 | $1.06B | $927.4M | $749.3M | $98.1M | $2.2M | 0.28% | 4.03% | 1.06% | 104,679 |
| Q2 2024 | $1.04B | $949.8M | $756.8M | $97.7M | $1.9M | 0.36% | 4.00% |
| Ratio | 4Front Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.71% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 6.3% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 103,661 |
Loan mix (Q1 2026): real estate $266.3M · commercial $163.3M · consumer $241.8M · securities $114.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 73.0% | 96th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | 4Front Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | 4Front Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | 4Front Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | 4Front Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.