Forward Financial Credit Union
Total assets
$85.1M
▼ -1.4% YoY
Shares & deposits
$72.7M
▼ -1.6% YoY
Loans
$45.2M
▼ -8.1% YoY
Members
7,880
▼ -2.1% YoY
ROA (annualized)
0.44%
peers 0.60%
ROE (annualized)
3.23%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +1.3% | -2.7 pts |
| Share growth (YoY) | -1.6% | +0.7% | -2.3 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.7 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1250 Roosevelt, Niagara, WI, 54151
- NCUA charter #
- 66798
- RSSD ID
- 944298
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.1M | $72.7M | $45.2M | $11.5M | $93K | 0.44% | 4.29% | 0.65% | 7,880 |
| Q4 2025 | $86.4M | $74.1M | $46.6M | $11.5M | $455K | 0.53% | 4.25% | 1.29% | 7,926 |
| Q3 2025 | $83.5M | $71.2M | $48.6M | $11.4M | $370K | 0.59% | 4.41% | 1.42% | 7,959 |
| Q2 2025 | $86.4M | $73.6M | $49.0M | $11.2M | $223K | 0.52% | 4.25% | 1.53% | 7,994 |
| Q1 2025 | $86.3M | $73.9M | $49.2M | $11.1M | $86K | 0.40% | 4.26% | 0.84% | 8,051 |
| Q4 2024 | $86.9M | $74.8M | $50.3M | $11.0M | $695K | 0.80% | 4.25% | 0.86% | 8,088 |
| Q3 2024 | $88.5M | $76.2M | $50.8M | $10.8M | $535K | 0.81% | 4.15% | 0.60% | 8,128 |
| Q2 2024 | $87.4M | $76.7M | $50.7M | $10.7M | $353K | 0.81% | 4.18% | 0.96% | 8,131 |
Loan mix (Q1 2026): real estate $23.8M · commercial $1.0M · consumer $16.1M · securities $32.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.83% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 81.5% | 69th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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