| Metric | Imperial Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +1.3% | -1.7 pts |
| Share growth (YoY) | -2.0% | +0.9% | -3.0 pts |
| Loan growth (YoY) | +12.4% | -2.6% | +15.1 pts |
| ROA | 2.22% | 0.65% | +1.6 pts |
| ROE | 23.7% | 4.4% | +19.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $76K | $69K | $11K | $7K | $843 | 2.22% | 3.21% | 23.71% | 192 |
| Q1 2026 | $77K | $70K | $12K | $7K | $736 | 3.82% | 3.22% | 11.90% | 192 |
| Q4 2025 | $74K | $68K | $14K | $6K | $302 | 0.41% | 2.88% | 3.24% | 195 |
| Q3 2025 | $74K | $68K | $9K | $6K | $-45 | -0.08% | 2.94% | 5.61% | 199 |
| Q2 2025 | $76K | $70K | $9K | $6K | $258 | 0.68% | 2.95% | 5.51% | 205 |
| Q1 2025 | $74K | $68K | $10K | $6K | $427 | 2.32% | 3.41% | 2.79% | 202 |
| Q4 2024 | $74K | $66K | $13K | $7K | $-153 | -0.21% | 2.38% | 17.84% | 200 |
| Q3 2024 | $73K | $65K | $10K | $7K | $-46 | -0.08% | 2.37% | 39.05% | 200 |
| Q2 2024 |
| Ratio | Imperial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.65% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 4.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| $70K |
| $62K |
| $12K |
| $8K |
| $593 |
| 1.69% |
| 2.50% |
| 30.93% |
| 200 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $8K · securities $35K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 80.6% | 30th |
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 | Imperial 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 | Imperial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Imperial 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 | Imperial 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 | Imperial 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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Sangamon, IL, ranked 36th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Sangamon, IL | 1 | $69K* | 0.00% | 36th |
Illinois: 601st with 0.00% · Springfield metro: 38th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1