| Metric | Freestone Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +1.3% | +13.4 pts |
| Share growth (YoY) | +13.5% | +0.7% | +12.8 pts |
| Loan growth (YoY) | +6.5% | -2.4% | +8.8 pts |
| ROA | 0.25% | 0.60% | -0.4 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.9M | $68.7M | $37.7M | $7.8M | $48K | 0.25% | 2.75% | 0.11% | 5,062 |
| Q4 2025 | $75.4M | $66.6M | $36.8M | $7.8M | $886K | 1.17% | 2.98% | 0.06% | 5,033 |
| Q3 2025 | $73.4M | $65.1M | $37.3M | $7.6M | $661K | 1.20% | 3.06% | 0.09% | 5,009 |
| Q2 2025 | $72.0M | $64.2M | $35.9M | $7.3M | $408K | 1.13% | 3.04% | 0.03% | 5,627 |
| Q1 2025 | $67.9M | $60.6M | $35.4M | $7.1M | $190K | 1.12% | 3.14% | 0.06% | 5,592 |
| Q4 2024 | $66.4M | $59.3M | $35.2M | $6.9M | $796K | 1.20% | 2.96% | 0.05% | 4,943 |
| Q3 2024 | $63.8M | $56.8M | $34.6M | $6.6M | $514K | 1.07% | 2.99% | 0.01% | 4,891 |
| Q2 2024 | $63.7M | $56.5M | $34.3M | $6.4M | $280K | 0.88% | 2.85% | 0.03% |
| Ratio | Freestone Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.25% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,855 |
Loan mix (Q1 2026): real estate $14.6M · commercial $0 · consumer $15.2M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 52th |
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 | Freestone 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 | Freestone 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 | Freestone 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 | Freestone 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.