| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.7 pts |
| ROA | -0.41% | 0.60% | -1.0 pts |
| ROE | -2.7% | 4.1% | -6.8 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.6M | $39.5M | $15.2M | $7.2M | $-47K | -0.41% | 3.85% | 1.90% | 3,399 |
| Q4 2025 | $45.9M | $38.6M | $15.7M | $7.2M | $-35K | -0.08% | 3.81% | 3.57% | 3,405 |
| Q3 2025 | $45.6M | $38.5M | $16.2M | $7.2M | $-40K | -0.12% | 3.82% | 2.14% | 3,434 |
| Q2 2025 | $46.2M | $39.0M | $16.5M | $7.2M | $-57K | -0.25% | 3.72% | 2.99% | 3,434 |
| Q1 2025 | $47.5M | $40.3M | $16.9M | $7.2M | $-14K | -0.12% | 3.47% | 2.16% | 3,433 |
| Q4 2024 | $46.4M | $39.1M | $17.5M | $7.2M | $34K | 0.07% | 3.45% | 3.40% | 3,424 |
| Q3 2024 | $45.9M | $38.7M | $17.9M | $7.3M | $55K | 0.16% | 3.45% | 3.95% | 3,421 |
| Q2 2024 | $46.2M | $39.0M | $18.6M | $7.3M | $31K | 0.14% | 3.41% | 1.48% |
| Ratio | Fox Valley Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -2.7% | 4.1% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,434 |
Loan mix (Q1 2026): real estate $7.0M · commercial $0 · consumer $8.1M · securities $26.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 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% |
| Ratio | Fox Valley 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 Valley 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 Valley 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 Valley 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.