F3

SAN JOSE, CA · 2 · Charter #64835 · www.f3creditunion.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$240.1M
98th percentile
Members
13,030
84th percentile
Total loans
$108.9M
81th percentile
Total shares
$200.7M
97th percentile

Profitability

Return on assets
1.37%
71th percentile
Net interest margin
3.41%
36th percentile
Efficiency ratio
51.38%
81th percentile
Non-interest income ratio
10.95%
19th percentile

Capital & Risk

Net worth ratio
17.88%
89th percentile
Delinquency rate
1.14%
27th percentile
Net charge-off rate
1.36%
6th percentile
Loan-to-share
54.26%
25th percentile

Growth

Member growth YoY
1.33%
73th percentile
Asset growth YoY
2.92%
42th percentile
Loan growth YoY
0.37%
45th percentile
Share growth YoY
1.63%
35th percentile

Operations

Members / branch
3,258
54th percentile
Assets / member
$18,427
78th percentile
Field of membership penetration
32.57%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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