Forest Area

Fife Lake, MI · 1 · Charter #24047 · www.forestarea.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$309.6M
18th percentile
Members
21,085
29th percentile
Total loans
$196.8M
19th percentile
Total shares
$271.0M
20th percentile

Profitability

Return on assets
2.22%
97th percentile
Net interest margin
4.35%
92th percentile
Efficiency ratio
51.14%
78th percentile
Non-interest income ratio
22.05%
69th percentile

Capital & Risk

Net worth ratio
12.29%
69th percentile
Delinquency rate
1.41%
14th percentile
Net charge-off rate
1.00%
11th percentile
Loan-to-share
72.61%
32th percentile

Growth

Member growth YoY
5.96%
92th percentile
Asset growth YoY
12.65%
93th percentile
Loan growth YoY
4.43%
53th percentile
Share growth YoY
11.96%
93th percentile

Operations

Members / branch
3,012
16th percentile
Assets / member
$14,681
36th percentile
Field of membership penetration
3.02%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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