Forward Financial

NIAGARA, WI · 2 · Charter #66798 · www.forwardfinancialcu.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
$86.4M
36th percentile
Members
7,926
53th percentile
Total loans
$46.6M
36th percentile
Total shares
$74.1M
36th percentile

Profitability

Return on assets
0.49%
16th percentile
Net interest margin
4.25%
82th percentile
Efficiency ratio
86.47%
3th percentile
Non-interest income ratio
17.60%
52th percentile

Capital & Risk

Net worth ratio
13.26%
62th percentile
Delinquency rate
1.29%
23th percentile
Net charge-off rate
0.16%
74th percentile
Loan-to-share
62.93%
40th percentile

Growth

Member growth YoY
-2.00%
33th percentile
Asset growth YoY
-0.66%
17th percentile
Loan growth YoY
-7.30%
10th percentile
Share growth YoY
-1.05%
17th percentile

Operations

Members / branch
1,982
21th percentile
Assets / member
$10,896
19th percentile
Field of membership penetration
26.42%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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