Foundation Credit Union
Total assets
$74.6M
▲ +8.4% YoY
Shares & deposits
$63.3M
▲ +11.2% YoY
Loans
$57.6M
▲ +6.9% YoY
Members
3,440
▲ +6.4% YoY
ROA (annualized)
0.77%
peers 0.60%
ROE (annualized)
5.31%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +11.2% | +0.7% | +10.6 pts |
| Loan growth (YoY) | +6.9% | -2.4% | +9.3 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 1726 W. Elfindale St, Springfield, MO, 65807
- NCUA charter #
- 61157
- RSSD ID
- 341299
- 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 | $74.6M | $63.3M | $57.6M | $10.9M | $144K | 0.77% | 3.13% | 0.15% | 3,440 |
| Q4 2025 | $71.2M | $57.9M | $58.2M | $10.7M | $318K | 0.45% | 3.06% | 0.65% | 3,458 |
| Q3 2025 | $69.2M | $57.7M | $55.9M | $10.7M | $216K | 0.42% | 3.03% | 0.70% | 3,454 |
| Q2 2025 | $71.3M | $59.5M | $54.6M | $10.6M | $139K | 0.39% | 2.84% | 0.33% | 3,465 |
| Q1 2025 | $68.8M | $56.9M | $53.9M | $10.5M | $34K | 0.20% | 2.81% | 0.27% | 3,232 |
| Q4 2024 | $68.3M | $56.9M | $53.5M | $10.4M | $193K | 0.28% | 2.77% | 0.49% | 3,401 |
| Q3 2024 | $67.9M | $57.2M | $53.2M | $10.4M | $142K | 0.28% | 2.77% | 2.04% | 3,367 |
| Q2 2024 | $69.4M | $58.7M | $54.3M | $10.3M | $68K | 0.20% | 2.68% | 0.44% | 3,383 |
Loan mix (Q1 2026): real estate $32.8M · commercial $346K · consumer $20.5M · securities $6.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Foundation Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th | |
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 | Foundation 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% |
Capital
| Ratio | Foundation 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% |
Credit quality
| Ratio | Foundation 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% |
Franchise
| Ratio | Foundation 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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