| Metric | Iaa Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.9% | -0.6 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.6 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 8.1% | 5.9% | +2.1 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $414.2M | $351.1M | $237.3M | $57.2M | $1.2M | 1.12% | 2.97% | 0.43% | 18,165 |
| Q4 2025 | $403.0M | $341.7M | $237.6M | $56.1M | $4.7M | 1.16% | 2.95% | 0.44% | 18,055 |
| Q3 2025 | $390.7M | $330.8M | $231.7M | $55.3M | $3.8M | 1.30% | 3.02% | 0.45% | 18,012 |
| Q2 2025 | $389.9M | $331.3M | $230.8M | $54.1M | $2.6M | 1.31% | 2.98% | 0.37% | 17,935 |
| Q1 2025 | $401.0M | $343.0M | $229.1M | $52.8M | $1.3M | 1.26% | 2.85% | 0.34% | 17,756 |
| Q4 2024 | $385.6M | $329.2M | $225.7M | $51.5M | $5.8M | 1.51% | 2.62% | 0.62% | 17,621 |
| Q3 2024 | $374.3M | $319.7M | $218.0M | $50.2M | $4.4M | 1.56% | 2.63% | 0.44% | 17,577 |
| Q2 2024 | $371.7M | $318.0M | $217.9M | $49.3M | $3.4M | 1.85% | 2.57% |
| Ratio | Iaa Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 17,490 |
Loan mix (Q1 2026): real estate $152.7M · commercial $13.2M · consumer $66.0M · securities $124.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 78.7% | 15th |
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 | Iaa 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 | Iaa 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 | Iaa 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 | Iaa 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% |
The full ratio pack is part of CharterBench Pro.