Fourleaf Federal Credit Union
Total assets
$14.37B
▲ +6.6% YoY
Shares & deposits
$12.95B
▲ +8.4% YoY
Loans
$11.23B
▲ +8.7% YoY
Members
519,123
▲ +5.4% YoY
ROA (annualized)
0.61%
peers 0.77%
ROE (annualized)
6.88%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +7.0% | -0.5 pts |
| Share growth (YoY) | +8.4% | +6.8% | +1.6 pts |
| Loan growth (YoY) | +8.7% | +6.8% | +1.9 pts |
| ROA | 0.61% | 0.77% | -0.2 pts |
| ROE | 6.9% | 7.7% | -0.8 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
Profile
- Established
- 1941
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 899 So. Oyster Bay Road, Bethpage, NY, 11714
- NCUA charter #
- 4735
- RSSD ID
- 136374
- 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 | $14.37B | $12.95B | $11.23B | $1.28B | $22.0M | 0.61% | 2.96% | 2.02% | 519,123 |
| Q4 2025 | $14.04B | $12.69B | $11.15B | $1.26B | $68.0M | 0.48% | 2.77% | 2.00% | 513,696 |
| Q3 2025 | $14.06B | $12.53B | $10.88B | $1.25B | $51.6M | 0.49% | 2.69% | 2.05% | 512,282 |
| Q2 2025 | $13.88B | $12.21B | $10.63B | $1.22B | $25.2M | 0.36% | 2.61% | 1.60% | 502,230 |
| Q1 2025 | $13.48B | $11.95B | $10.33B | $1.21B | $13.1M | 0.39% | 2.59% | 1.49% | 492,545 |
| Q4 2024 | $13.37B | $11.61B | $10.19B | $1.20B | $47.5M | 0.36% | 2.28% | 1.74% | 484,638 |
| Q3 2024 | $13.31B | $11.35B | $9.87B | $1.20B | $45.9M | 0.46% | 2.23% | 1.73% | 483,903 |
| Q2 2024 | $12.87B | $10.85B | $9.56B | $1.20B | $38.5M | 0.60% | 2.26% | 1.98% | 473,707 |
Loan mix (Q1 2026): real estate $6.68B · commercial $1.76B · consumer $1.83B · securities $2.12B
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.77% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 7.7% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.08% | 43th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.8% | 74th | |
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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