| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +3.9% | +4.0 pts |
| Share growth (YoY) | +6.6% | +3.3% | +3.3 pts |
| Loan growth (YoY) | +2.8% | +2.9% | -0.1 pts |
| ROA | 1.96% | 0.69% | +1.3 pts |
| ROE | 13.0% | 5.9% | +7.1 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $408.1M | $341.0M | $322.2M | $61.2M | $2.0M | 1.96% | 3.79% | 0.31% | 35,896 |
| Q4 2025 | $401.1M | $336.7M | $325.3M | $59.2M | $7.8M | 1.95% | 3.71% | 0.53% | 35,654 |
| Q3 2025 | $392.5M | $330.2M | $328.3M | $57.2M | $5.8M | 1.96% | 3.71% | 0.59% | 35,532 |
| Q2 2025 | $385.4M | $323.8M | $322.1M | $55.3M | $3.8M | 1.97% | 3.68% | 0.57% | 35,146 |
| Q1 2025 | $378.1M | $319.8M | $313.3M | $53.8M | $2.0M | 2.08% | 3.63% | 0.40% | 34,972 |
| Q4 2024 | $374.5M | $319.2M | $292.9M | $51.9M | $4.9M | 1.32% | 3.04% | 0.49% | 34,037 |
| Q3 2024 | $357.7M | $305.5M | $285.2M | $49.8M | $3.0M | 1.11% | 3.03% | 0.97% | 33,382 |
| Q2 2024 | $358.6M | $304.5M | $280.8M | $49.1M | $2.0M | 1.12% | 2.98% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Interstate Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.62% |
| 32,373 |
Loan mix (Q1 2026): real estate $59.6M · commercial $1.4M · consumer $239.8M · securities $29.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 78.7% | 10th |
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 | Interstate 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 | Interstate 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 | Interstate 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 | Interstate 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.