| Metric | Intercorp Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.6% | +0.9% | -2.5 pts |
| Loan growth (YoY) | -3.6% | -2.6% | -0.9 pts |
| ROA | 0.33% | 0.65% | -0.3 pts |
| ROE | 1.8% | 4.4% | -2.6 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $4.2M | $3.4M | $2.4M | $780K | $7K | 0.33% | 5.70% | 2.86% | 605 |
| Q1 2026 | $4.2M | $3.4M | $2.4M | $779K | $6K | 0.54% | 5.64% | 3.42% | 609 |
| Q4 2025 | $4.2M | $3.4M | $2.4M | $774K | $-36K | -0.84% | 5.43% | 4.81% | 621 |
| Q3 2025 | $4.3M | $3.4M | $2.6M | $794K | $-15K | -0.47% | 5.40% | 4.95% | 620 |
| Q2 2025 | $4.3M | $3.4M | $2.4M | $798K | $-11K | -0.51% | 5.32% | 3.50% | 626 |
| Q1 2025 | $4.4M | $3.5M | $2.5M | $812K | $2K | 0.22% | 5.56% | 3.47% | 629 |
| Q4 2024 | $4.3M | $3.5M | $2.7M | $809K | $6K | 0.13% | 5.93% | 1.07% | 624 |
| Q3 2024 | $4.3M | $3.4M | $2.9M | $808K | $4K | 0.14% | 5.94% | 2.24% | 634 |
| Ratio | Intercorp Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.65% | 33rd | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 4.4% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $4.3M | $3.4M | $3.0M | $804K | $454 | 0.02% | 5.80% | 0.52% | 637 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $751K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 80.6% | 71st |
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 | Intercorp 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 | Intercorp 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 | Intercorp 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 | Intercorp 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 | Intercorp 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: Potter, TX, ranked 20th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Potter, TX | 1 | $3.4M* | 0.04% | 20th |
Texas: 871st with 0.00% · Amarillo metro: 30th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1