Ideal Credit Union
Total assets
$1.09B
▲ +2.2% YoY
Shares & deposits
$915.8M
▲ +4.3% YoY
Loans
$878.3M
▲ +4.1% YoY
Members
48,369
▼ -1.7% YoY
ROA (annualized)
0.55%
peers 0.71%
ROE (annualized)
5.23%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Ideal Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.1% | -2.9 pts |
| Share growth (YoY) | +4.3% | +4.9% | -0.6 pts |
| Loan growth (YoY) | +4.1% | +5.4% | -1.4 pts |
| ROA | 0.55% | 0.71% | -0.2 pts |
| ROE | 5.2% | 6.3% | -1.0 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
Profile
- Established
- 1926
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 8499 Tamarack Rd, Woodbury, MN, 55125
- NCUA charter #
- 62978
- RSSD ID
- 68297
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.09B | $915.8M | $878.3M | $114.1M | $1.5M | 0.55% | 3.34% | 0.80% | 48,369 |
| Q4 2025 | $1.08B | $905.2M | $887.2M | $112.6M | $3.3M | 0.31% | 3.29% | 0.91% | 48,681 |
| Q3 2025 | $1.09B | $914.3M | $874.9M | $113.0M | $2.9M | 0.35% | 3.24% | 0.70% | 49,087 |
| Q2 2025 | $1.09B | $904.2M | $870.5M | $112.2M | $2.0M | 0.38% | 3.21% | 0.68% | 49,381 |
| Q1 2025 | $1.06B | $878.3M | $843.8M | $110.8M | $710K | 0.27% | 3.22% | 0.62% | 49,221 |
| Q4 2024 | $1.04B | $854.1M | $849.3M | $110.1M | $3.3M | 0.32% | 3.22% | 0.95% | 49,379 |
| Q3 2024 | $1.03B | $852.0M | $840.8M | $111.2M | $3.5M | 0.46% | 3.21% | 1.03% | 49,942 |
| Q2 2024 | $1.02B | $841.1M | $822.6M | $110.1M | $2.4M | 0.48% | 3.26% | 1.17% | 50,149 |
Loan mix (Q1 2026): real estate $399.0M · commercial $50.0M · consumer $183.3M · securities $29.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Ideal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.71% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.3% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.32% | 51th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 73.0% | 68th | |
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% |
Balance sheet
| Ratio | Ideal 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% |
Capital
| Ratio | Ideal 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% |
Credit quality
| Ratio | Ideal 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% |
Franchise
| Ratio | Ideal 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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