| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +5.1% | +7.7 pts |
| Share growth (YoY) | +13.1% | +4.9% | +8.2 pts |
| Loan growth (YoY) | +7.2% | +5.4% | +1.8 pts |
| ROA | 0.78% | 0.71% | +0.1 pts |
| ROE | 8.7% | 6.3% | +2.4 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.10B | $992.1M | $468.2M | $99.3M | $2.2M | 0.78% | 2.74% | 1.09% | 55,975 |
| Q4 2025 | $1.07B | $969.0M | $464.0M | $97.1M | $11.4M | 1.06% | 2.51% | 1.42% | 55,513 |
| Q3 2025 | $1.03B | $928.0M | $457.4M | $94.8M | $8.8M | 1.13% | 2.55% | 1.38% | 55,316 |
| Q2 2025 | $1.00B | $904.2M | $444.2M | $91.2M | $5.2M | 1.04% | 2.53% | 1.27% | 54,744 |
| Q1 2025 | $974.8M | $877.4M | $436.7M | $88.2M | $2.2M | 0.89% | 2.51% | 0.71% | 54,297 |
| Q4 2024 | $927.6M | $834.1M | $429.6M | $86.0M | $7.3M | 0.78% | 2.53% | 1.24% | 53,875 |
| Q3 2024 | $901.7M | $809.8M | $415.3M | $83.6M | $4.6M | 0.68% | 2.58% | 0.99% | 53,684 |
| Q2 2024 | $889.0M | $796.1M | $402.3M | $82.1M | $3.1M | 0.71% | 2.58% |
| Ratio | Hfs Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.71% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 6.3% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.88% |
| 53,233 |
Loan mix (Q1 2026): real estate $284.7M · commercial $189K · consumer $178.1M · securities $364.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 73.0% | 27th |
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 | Hfs Federal 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 | Hfs Federal 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 | Hfs Federal 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 | Hfs Federal 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% |
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