| Metric | Frontier Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.1% | +4.8% | +11.3 pts |
| Share growth (YoY) | +13.7% | +4.3% | +9.4 pts |
| Loan growth (YoY) | +16.0% | +4.3% | +11.7 pts |
| ROA | 0.63% | 0.62% | +0.0 pts |
| ROE | 7.8% | 5.9% | +1.8 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $810.2M | $690.6M | $629.9M | $65.4M | $1.3M | 0.63% | 3.57% | 0.51% | 53,045 |
| Q4 2025 | $711.5M | $634.4M | $570.4M | $64.1M | $2.2M | 0.31% | 3.84% | 0.64% | 52,110 |
| Q3 2025 | $736.4M | $658.8M | $563.7M | $64.4M | $1.9M | 0.35% | 3.65% | 0.73% | 51,698 |
| Q2 2025 | $728.4M | $626.3M | $564.7M | $63.1M | $690K | 0.19% | 3.66% | 0.72% | 50,965 |
| Q1 2025 | $697.9M | $607.5M | $543.0M | $62.5M | $73K | 0.04% | 3.83% | 0.95% | 50,275 |
| Q4 2024 | $687.0M | $590.5M | $530.2M | $62.5M | $1.4M | 0.20% | 3.71% | 1.30% | 49,752 |
| Q3 2024 | $675.7M | $577.0M | $524.8M | $62.7M | $1.1M | 0.21% | 3.71% | 1.33% | 49,717 |
| Q2 2024 | $662.5M | $570.4M | $525.9M | $62.4M | $769K | 0.23% | 3.69% |
| Ratio | Frontier Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.62% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.17% |
| 49,586 |
Loan mix (Q1 2026): real estate $179.3M · commercial $98.8M · consumer $279.9M · securities $40.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 78.3% | 45th |
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 | Frontier 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 | Frontier 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 | Frontier 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 | Frontier 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.