| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.8% | -2.2 pts |
| Share growth (YoY) | +2.9% | +4.3% | -1.4 pts |
| Loan growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| ROA | -0.21% | 0.62% | -0.8 pts |
| ROE | -2.4% | 5.9% | -8.3 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $547.3M | $505.0M | $418.0M | $48.5M | $-287K | -0.21% | 3.04% | 0.99% | 36,874 |
| Q4 2025 | $548.0M | $493.8M | $408.8M | $48.8M | $-2.0M | -0.36% | 3.02% | 1.43% | 36,634 |
| Q3 2025 | $529.7M | $491.0M | $397.7M | $50.1M | $-1.7M | -0.42% | 3.09% | 1.90% | 36,594 |
| Q2 2025 | $527.0M | $489.9M | $390.9M | $50.2M | $-1.5M | -0.57% | 3.03% | 1.82% | 36,037 |
| Q1 2025 | $533.9M | $490.7M | $395.9M | $50.8M | $-937K | -0.70% | 2.88% | 1.86% | 36,037 |
| Q4 2024 | $563.4M | $495.4M | $415.9M | $51.7M | $-12.6M | -2.24% | 2.82% | 2.27% | 36,037 |
| Q3 2024 | $604.3M | $513.9M | $439.3M | $57.5M | $-7.8M | -1.72% | 2.71% | 3.04% | 36,037 |
| Q2 2024 | $609.0M | $508.7M | $466.4M | $61.8M | $-3.5M | -1.15% |
| Ratio | I-C Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.21% | 0.62% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -2.4% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.75% |
| 4.17% |
| 36,037 |
Loan mix (Q1 2026): real estate $244.8M · commercial $49.9M · consumer $102.3M · securities $66.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.7% | 78.3% | 99th |
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 | I-C 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 | I-C 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 | I-C 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 | I-C 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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