Frontier Community Credit Union
Total assets
$207.9M
▲ +1.9% YoY
Shares & deposits
$187.3M
▲ +1.3% YoY
Loans
$153.0M
▲ +0.9% YoY
Members
18,368
▲ +1.2% YoY
ROA (annualized)
0.28%
peers 0.69%
ROE (annualized)
3.01%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +1.3% | +3.3% | -2.0 pts |
| Loan growth (YoY) | +0.8% | +2.9% | -2.1 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 3.0% | 5.9% | -2.9 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 690 Eisenhower Rd, Leavenworth, KS, 66048
- NCUA charter #
- 63201
- RSSD ID
- 546991
- 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 | $207.9M | $187.3M | $153.0M | $19.1M | $143K | 0.28% | 4.62% | 1.02% | 18,368 |
| Q4 2025 | $204.6M | $184.3M | $154.5M | $18.9M | $710K | 0.35% | 4.52% | 1.12% | 18,305 |
| Q3 2025 | $207.0M | $187.0M | $154.0M | $18.9M | $387K | 0.25% | 4.45% | 1.12% | 18,265 |
| Q2 2025 | $207.2M | $187.8M | $150.8M | $18.6M | $110K | 0.11% | 4.34% | 1.13% | 18,214 |
| Q1 2025 | $204.0M | $184.9M | $151.7M | $18.4M | $-33K | -0.06% | 4.34% | 1.30% | 18,142 |
| Q4 2024 | $200.9M | $182.3M | $153.1M | $18.5M | $-670K | -0.33% | 3.96% | 1.60% | 18,165 |
| Q3 2024 | $204.8M | $184.7M | $154.7M | $19.0M | $-410K | -0.27% | 3.80% | 1.46% | 18,088 |
| Q2 2024 | $213.9M | $188.2M | $156.0M | $19.2M | $-216K | -0.20% | 3.57% | 1.44% | 18,050 |
Loan mix (Q1 2026): real estate $54.6M · commercial $3.0M · consumer $89.7M · securities $25.8M
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 | 0.28% | 0.69% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.62% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 78.7% | 76th | |
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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