| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +1.3% | +3.1 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | +15.5% | -2.4% | +17.9 pts |
| ROA | 1.69% | 0.60% | +1.1 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.8M | $81.5M | $66.7M | $14.8M | $416K | 1.69% | 4.24% | 0.67% | 7,274 |
| Q4 2025 | $97.7M | $80.7M | $65.4M | $14.4M | $1.9M | 1.98% | 4.34% | 0.79% | 7,262 |
| Q3 2025 | $96.2M | $80.0M | $63.5M | $13.8M | $1.4M | 1.91% | 4.37% | 0.33% | 7,240 |
| Q2 2025 | $92.1M | $77.0M | $60.6M | $13.3M | $882K | 1.92% | 4.56% | 0.66% | 7,186 |
| Q1 2025 | $94.6M | $79.6M | $57.8M | $12.9M | $446K | 1.89% | 4.35% | 0.35% | 7,173 |
| Q4 2024 | $92.5M | $78.3M | $56.4M | $12.4M | $1.9M | 2.04% | 4.45% | 0.39% | 7,140 |
| Q3 2024 | $94.9M | $80.9M | $55.1M | $12.0M | $1.5M | 2.08% | 4.25% | 0.83% | 7,104 |
| Q2 2024 | $95.5M | $81.9M | $53.2M | $11.5M | $931K | 1.95% | 4.13% | 0.89% |
| Ratio | Indianhead Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,069 |
Loan mix (Q1 2026): real estate $31.8M · commercial $0 · consumer $28.8M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 81.5% | 18th |
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 | Indianhead 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 | Indianhead 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 | Indianhead 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 | Indianhead 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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