| Metric | Fivepoint Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +5.1% | +4.2 pts |
| Share growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Loan growth (YoY) | +10.6% | +5.4% | +5.2 pts |
| ROA | -0.00% | 0.71% | -0.7 pts |
| ROE | -0.1% | 6.3% | -6.3 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.12B | $1.01B | $869.8M | $99.8M | $-13K | -0.00% | 3.54% | 0.62% | 58,218 |
| Q4 2025 | $1.11B | $995.9M | $862.8M | $99.8M | $8.6M | 0.77% | 3.51% | 0.76% | 57,542 |
| Q3 2025 | $1.08B | $967.2M | $849.6M | $97.2M | $5.3M | 0.65% | 3.52% | 0.72% | 56,964 |
| Q2 2025 | $1.05B | $936.9M | $814.6M | $96.0M | $4.1M | 0.78% | 3.56% | 0.47% | 56,096 |
| Q1 2025 | $1.03B | $924.9M | $786.3M | $92.8M | $896K | 0.35% | 3.42% | 0.50% | 56,245 |
| Q4 2024 | $987.2M | $890.2M | $774.2M | $91.9M | $2.8M | 0.29% | 3.24% | 0.60% | 55,511 |
| Q3 2024 | $970.9M | $870.6M | $764.3M | $91.6M | $1.8M | 0.25% | 3.21% | 0.54% | 55,069 |
| Q2 2024 | $962.7M | $853.1M | $755.2M | $90.8M | $1.1M | 0.22% | 3.16% |
| Ratio | Fivepoint Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.00% | 0.71% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 6.3% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.42% |
| 54,464 |
Loan mix (Q1 2026): real estate $257.5M · commercial $83.5M · consumer $466.5M · securities $39.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 73.0% | 86th |
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 | Fivepoint 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 | Fivepoint 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 | Fivepoint 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 | Fivepoint 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.