| Metric | F3 Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.9% | -3.6 pts |
| Share growth (YoY) | -0.9% | +3.3% | -4.2 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 0.53% | 0.69% | -0.2 pts |
| ROE | 3.0% | 5.9% | -3.0 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $239.4M | $199.7M | $113.6M | $43.2M | $320K | 0.53% | 3.37% | 0.98% | 12,873 |
| Q4 2025 | $240.1M | $200.7M | $108.9M | $42.9M | $1.9M | 0.78% | 3.41% | 1.14% | 13,030 |
| Q3 2025 | $238.7M | $200.0M | $110.4M | $42.4M | $1.3M | 0.74% | 3.47% | 1.03% | 12,911 |
| Q2 2025 | $238.0M | $200.6M | $108.3M | $42.1M | $1.0M | 0.84% | 3.48% | 0.97% | 12,896 |
| Q1 2025 | $238.6M | $201.6M | $107.8M | $41.2M | $152K | 0.26% | 3.35% | 0.65% | 12,890 |
| Q4 2024 | $233.3M | $197.4M | $108.5M | $41.1M | $1.1M | 0.49% | 3.43% | 1.30% | 12,859 |
| Q3 2024 | $237.4M | $200.2M | $107.4M | $40.8M | $831K | 0.47% | 3.36% | 1.24% | 12,910 |
| Q2 2024 | $238.3M | $202.9M | $108.7M | $40.5M | $556K | 0.47% | 3.29% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | F3 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.17% |
| 12,921 |
Loan mix (Q1 2026): real estate $53.8M · commercial $5.4M · consumer $53.0M · securities $99.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 78.7% | 29th |
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 | F3 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 | F3 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 | F3 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 | F3 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.