| Metric | Intandem Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.4 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.5M | $67.4M | $43.5M | $8.8M | $135K | 0.71% | 3.86% | 0.58% | 4,933 |
| Q4 2025 | $71.7M | $62.6M | $43.9M | $8.7M | $683K | 0.95% | 3.91% | 1.13% | 4,940 |
| Q3 2025 | $72.1M | $63.1M | $44.8M | $8.5M | $462K | 0.85% | 3.74% | 1.04% | 4,973 |
| Q2 2025 | $72.1M | $62.5M | $44.4M | $8.3M | $280K | 0.78% | 3.65% | 0.72% | 5,037 |
| Q1 2025 | $72.1M | $63.7M | $43.5M | $8.2M | $113K | 0.63% | 3.54% | 0.76% | 5,029 |
| Q4 2024 | $71.5M | $62.7M | $43.7M | $8.1M | $352K | 0.49% | 3.23% | 0.61% | 5,051 |
| Q3 2024 | $69.5M | $61.0M | $42.9M | $7.9M | $195K | 0.37% | 3.14% | 0.58% | 5,046 |
| Q2 2024 | $70.3M | $62.1M | $41.8M | $7.8M | $91K | 0.26% | 3.03% | 1.18% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Intandem Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,048 |
Loan mix (Q1 2026): real estate $24.1M · commercial $0 · consumer $15.3M · securities $16.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 59th |
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 | Intandem 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 | Intandem 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 | Intandem 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 | Intandem 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.