| Metric | Insight Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +4.8% | -10.8 pts |
| Share growth (YoY) | -3.1% | +4.3% | -7.4 pts |
| Loan growth (YoY) | -3.1% | +4.3% | -7.4 pts |
| ROA | -0.11% | 0.62% | -0.7 pts |
| ROE | -1.1% | 5.9% | -7.1 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $659.8M | $585.1M | $366.7M | $65.3M | $-185K | -0.11% | 3.03% | 1.12% | 42,981 |
| Q4 2025 | $659.2M | $579.4M | $369.4M | $65.5M | $-661K | -0.10% | 3.13% | 1.15% | 43,557 |
| Q3 2025 | $654.8M | $576.7M | $378.9M | $65.2M | $-975K | -0.20% | 3.16% | 1.02% | 43,641 |
| Q2 2025 | $682.2M | $587.8M | $390.3M | $65.0M | $-1.2M | -0.35% | 2.95% | 0.95% | 43,773 |
| Q1 2025 | $702.0M | $603.8M | $378.4M | $67.2M | $-730K | -0.42% | 2.84% | 0.81% | 44,901 |
| Q4 2024 | $686.0M | $595.4M | $356.9M | $67.9M | $3.8M | 0.55% | 2.67% | 0.94% | 45,184 |
| Q3 2024 | $699.5M | $604.2M | $365.5M | $66.7M | $2.6M | 0.50% | 2.57% | 0.83% | 45,302 |
| Q2 2024 | $697.8M | $615.6M | $378.7M | $63.2M | $-953K | -0.27% |
| Ratio | Insight Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.11% | 0.62% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 5.9% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.58% |
| 0.85% |
| 46,981 |
Loan mix (Q1 2026): real estate $82.4M · commercial $153.7M · consumer $127.5M · securities $176.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.1% | 78.3% | 96th |
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 | Insight 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 | Insight 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 | Insight 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 | Insight 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.