| Metric | Imperial Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.3 pts |
| Loan growth (YoY) | +25.1% | -2.4% | +27.5 pts |
| ROA | 3.82% | 0.60% | +3.2 pts |
| ROE | 43.5% | 4.1% | +39.4 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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 | $70K | $62K | $12K | $8K | $593 | 1.69% | 2.50% | 30.93% | 200 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9K · securities $34K
| Ratio | Imperial Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.82% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 43.5% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 81.5% | 14th |
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 |
|---|---|---|---|---|
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% |
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