| Metric | Interra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +5.1% | -3.6 pts |
| Share growth (YoY) | +3.0% | +4.9% | -1.8 pts |
| Loan growth (YoY) | +6.4% | +5.4% | +0.9 pts |
| ROA | 0.75% | 0.71% | +0.0 pts |
| ROE | 8.1% | 6.3% | +1.9 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 | $1.99B | $1.67B | $1.71B | $184.4M | $3.7M | 0.75% | 3.37% | 0.17% | 89,669 |
| Q4 2025 | $1.95B | $1.67B | $1.67B | $180.6M | $16.8M | 0.86% | 3.16% | 0.21% | 89,635 |
| Q3 2025 | $1.95B | $1.62B | $1.65B | $176.2M | $11.5M | 0.78% | 3.08% | 0.19% | 89,628 |
| Q2 2025 | $1.96B | $1.63B | $1.64B | $170.6M | $5.8M | 0.59% | 2.99% | 0.22% | 89,243 |
| Q1 2025 | $1.96B | $1.62B | $1.60B | $166.9M | $2.1M | 0.43% | 2.88% | 0.13% | 88,628 |
| Q4 2024 | $1.89B | $1.57B | $1.57B | $164.8M | $4.3M | 0.23% | 2.50% | 0.29% | 88,149 |
| Q3 2024 | $1.86B | $1.52B | $1.52B | $164.0M | $2.6M | 0.19% | 2.43% | 0.21% | 87,977 |
| Q2 2024 | $1.88B | $1.55B | $1.46B | $162.5M | $1.1M | 0.11% | 2.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Interra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.71% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 6.3% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 87,491 |
Loan mix (Q1 2026): real estate $551.5M · commercial $911.7M · consumer $215.0M · securities $151.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 73.0% | 77th |
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 | Interra 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 | Interra 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 | Interra 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 | Interra 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.