Founders Federal Credit Union
Total assets
$5.18B
▲ +6.5% YoY
Shares & deposits
$4.42B
▲ +5.6% YoY
Loans
$4.07B
▲ +7.2% YoY
Members
290,408
▲ +5.4% YoY
ROA (annualized)
1.29%
peers 0.71%
ROE (annualized)
9.70%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.1% | +1.3 pts |
| Share growth (YoY) | +5.6% | +4.9% | +0.8 pts |
| Loan growth (YoY) | +7.2% | +5.4% | +1.7 pts |
| ROA | 1.29% | 0.71% | +0.6 pts |
| ROE | 9.7% | 6.3% | +3.4 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
Profile
- Established
- 1961
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 737 Plantation Rd, Lancaster, SC, 29720
- NCUA charter #
- 24063
- RSSD ID
- 549291
- 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 | $5.18B | $4.42B | $4.07B | $688.3M | $16.7M | 1.29% | 4.25% | 0.70% | 290,408 |
| Q4 2025 | $5.09B | $4.34B | $4.03B | $671.6M | $65.1M | 1.28% | 4.24% | 0.90% | 287,766 |
| Q3 2025 | $4.99B | $4.24B | $3.98B | $662.7M | $49.0M | 1.31% | 4.16% | 0.77% | 285,807 |
| Q2 2025 | $4.88B | $4.18B | $3.88B | $638.4M | $32.6M | 1.34% | 4.13% | 0.70% | 278,243 |
| Q1 2025 | $4.87B | $4.19B | $3.80B | $621.2M | $15.4M | 1.26% | 3.97% | 0.68% | 275,555 |
| Q4 2024 | $4.76B | $4.10B | $3.79B | $605.9M | $60.8M | 1.28% | 3.97% | 0.75% | 273,817 |
| Q3 2024 | $4.82B | $4.02B | $3.75B | $599.9M | $47.4M | 1.31% | 3.80% | 0.77% | 271,061 |
| Q2 2024 | $4.80B | $4.00B | $3.69B | $583.0M | $30.5M | 1.27% | 3.74% | 0.69% | 268,839 |
Loan mix (Q1 2026): real estate $2.30B · commercial $4.1M · consumer $1.70B · securities $332.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.71% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 6.3% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.32% | 95th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 73.0% | 10th | |
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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