| Metric | Foothills Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.9% | -2.8 pts |
| Share growth (YoY) | +1.6% | +3.3% | -1.7 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.9 pts |
| ROA | 0.11% | 0.69% | -0.6 pts |
| ROE | 1.5% | 5.9% | -4.5 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $163.3M | $150.3M | $120.3M | $12.2M | $44K | 0.11% | 3.44% | 0.88% | 11,152 |
| Q4 2025 | $163.7M | $150.6M | $116.7M | $12.1M | $-14K | -0.01% | 3.46% | 1.15% | 11,225 |
| Q3 2025 | $160.2M | $147.2M | $117.0M | $12.0M | $-102K | -0.08% | 3.49% | 1.90% | 11,298 |
| Q2 2025 | $159.5M | $146.6M | $115.5M | $12.0M | $-166K | -0.21% | 3.45% | 0.98% | 11,314 |
| Q1 2025 | $161.5M | $148.0M | $113.6M | $12.2M | $64K | 0.16% | 3.35% | 1.00% | 11,361 |
| Q4 2024 | $161.3M | $147.5M | $112.5M | $12.1M | $251K | 0.16% | 3.39% | 1.05% | 11,418 |
| Q3 2024 | $158.8M | $145.1M | $112.8M | $12.1M | $207K | 0.17% | 3.44% | 1.63% | 11,512 |
| Q2 2024 | $158.0M | $144.1M | $115.1M | $12.2M | $323K | 0.41% | 3.43% |
| Ratio | Foothills Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 5.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 11,530 |
Loan mix (Q1 2026): real estate $78.8M · commercial $14.3M · consumer $25.7M · securities $19.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.8% | 78.7% | 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 | Foothills 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 | Foothills 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 | Foothills 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 | Foothills 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% |
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