| Metric | Forrit Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.0% | +1.3% | -13.3 pts |
| Share growth (YoY) | -12.1% | +0.7% | -12.7 pts |
| Loan growth (YoY) | -0.4% | -2.4% | +2.0 pts |
| ROA | -0.04% | 0.60% | -0.6 pts |
| ROE | -0.4% | 4.1% | -4.5 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $84.2M | $75.1M | $62.9M | $8.5M | $-8K | -0.04% | 4.69% | 1.40% | 4,532 |
| Q4 2025 | $82.0M | $73.0M | $64.9M | $8.5M | $-1.8M | -2.24% | 5.04% | 1.24% | 4,559 |
| Q3 2025 | $88.4M | $78.7M | $65.5M | $9.1M | $-1.3M | -1.97% | 4.66% | 1.37% | 4,594 |
| Q2 2025 | $91.9M | $81.7M | $65.9M | $9.6M | $-859K | -1.87% | 4.43% | 1.01% | 4,656 |
| Q1 2025 | $95.7M | $85.4M | $63.1M | $9.8M | $-654K | -2.73% | 4.16% | 1.00% | 4,682 |
| Q4 2024 | $93.7M | $82.9M | $60.5M | $10.4M | $-307K | -0.33% | 4.06% | 1.53% | 4,722 |
| Q3 2024 | $98.0M | $86.9M | $61.5M | $10.6M | $-131K | -0.18% | 3.86% | 0.86% | 4,813 |
| Q2 2024 | $98.7M | $87.3M | $61.9M | $10.7M | $-65K | -0.13% | 3.80% |
| Ratio | Forrit Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.60% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 4.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 4,847 |
Loan mix (Q1 2026): real estate $37.5M · commercial $0 · consumer $22.8M · securities $13.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.8% | 81.5% | 80th |
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 | Forrit 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 | Forrit 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 | Forrit 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 | Forrit 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.