| Metric | Forum Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.1% | -1.5 pts |
| Share growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Loan growth (YoY) | +1.6% | +5.4% | -3.9 pts |
| ROA | 1.25% | 0.71% | +0.5 pts |
| ROE | 9.8% | 6.3% | +3.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.34B | $1.96B | $1.90B | $300.3M | $7.3M | 1.25% | 3.96% | 0.33% | 165,080 |
| Q4 2025 | $2.30B | $1.93B | $1.89B | $293.0M | $26.4M | 1.15% | 3.91% | 0.42% | 164,566 |
| Q3 2025 | $2.27B | $1.88B | $1.87B | $287.9M | $18.8M | 1.11% | 3.92% | 0.34% | 164,012 |
| Q2 2025 | $2.25B | $1.87B | $1.87B | $281.8M | $12.8M | 1.14% | 3.88% | 0.40% | 164,027 |
| Q1 2025 | $2.25B | $1.87B | $1.87B | $275.2M | $6.2M | 1.10% | 3.78% | 0.39% | 164,221 |
| Q4 2024 | $2.17B | $1.79B | $1.85B | $269.0M | $25.0M | 1.15% | 3.83% | 0.36% | 163,284 |
| Q3 2024 | $2.12B | $1.73B | $1.83B | $263.9M | $17.4M | 1.10% | 3.90% | 0.29% | 162,637 |
| Q2 2024 | $2.10B | $1.71B | $1.83B | $257.8M | $11.3M | 1.07% | 3.88% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Forum Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.71% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 6.3% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.30% |
| 162,646 |
Loan mix (Q1 2026): real estate $417.9M · commercial $289.2M · consumer $1.18B · securities $141.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 73.0% | 25th |
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 | Forum 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 | Forum 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 | Forum 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 | Forum 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.