| Metric | F3 Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +4.1% | -4.6 pts |
| Share growth (YoY) | -1.9% | +3.5% | -5.4 pts |
| Loan growth (YoY) | -0.1% | +2.9% | -2.9 pts |
| ROA | 0.68% | 0.74% | -0.1 pts |
| ROE | 3.7% | 6.5% | -2.8 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $236.8M | $196.8M | $108.3M | $43.7M | $805K | 0.68% | 3.38% | 1.05% | 12,710 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | F3 Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.74% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 6.5% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.24% |
| 12,910 |
| Q2 2024 | $238.3M | $202.9M | $108.7M | $40.5M | $556K | 0.47% | 3.29% | 1.17% | 12,921 |
Loan mix (Q2 2026): real estate $51.2M · commercial $5.4M · consumer $50.3M · securities $103.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 77.5% | 31st |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 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.
4 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Santa Clara, CA, ranked 51st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Santa Clara, CA | 2 | $98.4M* | 0.05% | 51st |
| Alameda, CA | 1 | $49.2M* | 0.06% | 54th |
| San Francisco, CA | 1 | $49.2M* | 0.01% | 47th |
California: 261st with 0.01% · San Francisco-Oakland-Fremont metro: 87th, 0.02% · San Jose-Sunnyvale-Santa Clara metro: 52nd, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4