| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.7% | +1.3% | -13.0 pts |
| Share growth (YoY) | -11.8% | +0.9% | -12.7 pts |
| Loan growth (YoY) | -7.2% | -2.6% | -4.5 pts |
| ROA | -0.55% | 0.65% | -1.2 pts |
| ROE | -5.8% | 4.4% | -10.2 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.6M | $33.0M | $25.3M | $3.4M | $-100K | -0.55% | 3.26% | 0.35% | 2,808 |
| Q1 2026 | $38.1M | $34.5M | $25.7M | $3.5M | $-69K | -0.73% | 3.13% | 0.35% | 2,976 |
| Q4 2025 | $38.5M | $34.8M | $25.8M | $3.5M | $-187K | -0.48% | 3.25% | 0.65% | 3,025 |
| Q3 2025 | $40.7M | $36.9M | $26.4M | $3.6M | $-135K | -0.44% | 3.04% | 0.71% | 3,066 |
| Q2 2025 | $41.4M | $37.4M | $27.3M | $3.7M | $-66K | -0.32% | 2.93% | 0.53% | 3,121 |
| Q1 2025 | $42.2M | $38.3M | $27.8M | $3.7M | $-61K | -0.58% | 2.82% | 0.56% | 3,155 |
| Q4 2024 | $42.5M | $38.3M | $28.7M | $3.7M | $-233K | -0.55% | 2.90% | 0.37% | 3,134 |
| Q3 2024 | $43.4M | $38.5M | $29.3M | $3.8M | $-241K | -0.74% | 2.87% | 0.50% |
| Ratio | Fox Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.55% | 0.65% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | -5.8% | 4.4% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,163 |
| Q2 2024 | $45.7M | $40.7M | $30.1M | $3.8M | $-149K | -0.65% | 2.76% | 0.38% | 3,187 |
Loan mix (Q2 2026): real estate $22.4M · commercial $0 · consumer $2.9M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.6% | 80.6% | 94th |
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 | Fox Federal 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 | Fox Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Fox Federal 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 | Fox Federal 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 | Fox Federal 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.
5 branches in 2 counties across 2 states (+1 vs 2025). Biggest market: Los Angeles, CA, ranked 175th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 4 | $26.4M* | 0.00% | 175th |
| New York, NY | 1 | $6.6M* | 0.00% | 95th |
California: 390th with 0.00% · New York: 413th with 0.00% · Los Angeles-Long Beach-Anaheim metro: 201st, 0.00% · New York-Newark-Jersey City metro: 272nd, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 5