FORWARD FINANCIAL
Charter #66798 · NIAGARA, WI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,880 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.26% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.28% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.80% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FORWARD FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $85.14M | 76th pct | 62th pct |
| Members | 7,880 | 87th pct | 85th pct |
| Net worth ratio | 13.56% | 58th pct | 72th pct |
| Return on average assets | 0.43% | 35th pct | 33th pct |
| Net interest margin | 4.26% | 79th pct | 82th pct |
| Cost of funds | 0.28% | 13th pct | 13th pct |
| Loan-to-share | 62.16% | 53th pct | 48th pct |
| Delinquency 60+ days | 0.65% | 52th pct | 51th pct |
| Net charge-off ratio | 0.22% | 47th pct | 61th pct |
| Loan growth YoY | -6.99% | 9th pct | 2th pct |
| Share growth YoY | 2.06% | 41th pct | 39th pct |
| Efficiency ratio | 89.80% | 79th pct | 80th pct |
structural peer set hash: dc8128de4d92c070bd2862d66d397c88… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.