Fremont Federal Credit Union
Total assets
$385.6M
▲ +9.3% YoY
Shares & deposits
$331.5M
▲ +9.3% YoY
Loans
$252.8M
▲ +7.7% YoY
Members
22,690
▲ +5.8% YoY
ROA (annualized)
0.80%
peers 0.69%
ROE (annualized)
6.34%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +3.9% | +5.4 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +7.7% | +2.9% | +4.8 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 6.3% | 5.9% | +0.4 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
Profile
- Established
- 1946
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 315 Croghan St, Fremont, OH, 43420
- NCUA charter #
- 5370
- RSSD ID
- 593070
- 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 | $385.6M | $331.5M | $252.8M | $48.4M | $768K | 0.80% | 3.83% | 0.49% | 22,690 |
| Q4 2025 | $378.3M | $324.0M | $255.6M | $47.7M | $3.5M | 0.92% | 3.79% | 0.74% | 22,368 |
| Q3 2025 | $361.4M | $310.0M | $247.1M | $47.2M | $2.7M | 1.00% | 3.90% | 0.69% | 22,167 |
| Q2 2025 | $356.9M | $307.1M | $240.3M | $46.1M | $1.6M | 0.91% | 3.84% | 0.57% | 21,822 |
| Q1 2025 | $352.8M | $303.3M | $234.8M | $45.2M | $758K | 0.86% | 3.76% | 0.62% | 21,452 |
| Q4 2024 | $344.1M | $295.4M | $234.8M | $44.5M | $2.8M | 0.82% | 3.55% | 0.80% | 21,264 |
| Q3 2024 | $345.6M | $296.9M | $231.0M | $44.4M | $2.4M | 0.92% | 3.65% | 0.86% | 21,076 |
| Q2 2024 | $338.1M | $289.9M | $227.3M | $43.6M | $1.6M | 0.93% | 3.65% | 0.77% | 18,669 |
Loan mix (Q1 2026): real estate $115.4M · commercial $26.3M · consumer $103.1M · securities $75.2M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 5.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.62% | 65th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 78.7% | 48th | |
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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