| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +8.8% | +0.7% | +8.2 pts |
| Loan growth (YoY) | -5.2% | -2.4% | -2.9 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.9M | $51.5M | $28.4M | $8.3M | $51K | 0.34% | 4.07% | 0.76% | 4,770 |
| Q4 2025 | $55.1M | $47.9M | $28.0M | $8.3M | $604K | 1.10% | 4.32% | 0.68% | 4,746 |
| Q3 2025 | $54.0M | $46.6M | $28.8M | $8.1M | $434K | 1.07% | 4.39% | 0.41% | 4,800 |
| Q2 2025 | $54.4M | $45.8M | $29.3M | $7.9M | $227K | 0.83% | 4.30% | 1.26% | 4,832 |
| Q1 2025 | $55.9M | $47.3M | $29.9M | $7.8M | $128K | 0.92% | 4.13% | 0.37% | 4,814 |
| Q4 2024 | $53.9M | $45.6M | $30.2M | $7.7M | $471K | 0.87% | 3.98% | 0.72% | 4,791 |
| Q3 2024 | $53.5M | $45.2M | $31.0M | $7.6M | $353K | 0.88% | 3.94% | 0.65% | 4,856 |
| Q2 2024 | $52.7M | $45.2M | $30.5M | $7.5M | $247K | 0.94% | 3.90% | 0.73% |
| Ratio | Fieldstone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,860 |
Loan mix (Q1 2026): real estate $9.5M · commercial $0 · consumer $18.1M · securities $23.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 81.5% | 61th |
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 | Fieldstone 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 | Fieldstone 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 | Fieldstone 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 | Fieldstone 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.