| Metric | Intouch Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.8% | -6.1 pts |
| Share growth (YoY) | -2.2% | +4.3% | -6.5 pts |
| Loan growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| ROA | -0.47% | 0.62% | -1.1 pts |
| ROE | -5.6% | 5.9% | -11.5 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $824.2M | $742.6M | $660.8M | $69.6M | $-976K | -0.47% | 3.20% | 1.13% | 72,819 |
| Q4 2025 | $817.9M | $728.9M | $656.4M | $70.5M | $1.4M | 0.17% | 3.12% | 1.90% | 71,487 |
| Q3 2025 | $808.5M | $722.2M | $641.5M | $68.8M | $-290K | -0.05% | 3.07% | 1.13% | 71,424 |
| Q2 2025 | $810.9M | $733.4M | $643.8M | $66.8M | $-3.2M | -0.79% | 2.96% | 1.22% | 73,844 |
| Q1 2025 | $835.9M | $759.4M | $626.3M | $66.1M | $-3.9M | -1.86% | 2.76% | 1.14% | 78,881 |
| Q4 2024 | $834.4M | $753.6M | $631.2M | $70.0M | $-12.5M | -1.50% | 2.81% | 1.50% | 79,137 |
| Q3 2024 | $851.0M | $748.6M | $650.5M | $75.8M | $-6.7M | -1.04% | 2.74% | 1.50% | 81,508 |
| Q2 2024 | $880.5M | $763.0M | $682.4M | $77.5M | $-5.9M | -1.33% |
| Ratio | Intouch Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.47% | 0.62% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -5.6% | 5.9% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.68% |
| 1.65% |
| 81,841 |
Loan mix (Q1 2026): real estate $419.1M · commercial $84.5M · consumer $148.7M · securities $85.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 114.6% | 78.3% | 100th |
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 | Intouch 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 | Intouch 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 | Intouch 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 | Intouch 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.