| Metric | Intrepid Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +3.9% | -1.9 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | -6.0% | +2.9% | -8.9 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 5.9% | 5.9% | -0.0 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $310.5M | $267.4M | $213.0M | $33.8M | $503K | 0.65% | 3.91% | 0.49% | 18,704 |
| Q4 2025 | $309.6M | $265.0M | $214.2M | $33.3M | $911K | 0.29% | 3.76% | 0.64% | 18,666 |
| Q3 2025 | $309.5M | $260.7M | $219.7M | $33.2M | $838K | 0.36% | 3.75% | 0.20% | 19,255 |
| Q2 2025 | $303.7M | $260.6M | $222.6M | $32.7M | $334K | 0.22% | 3.73% | 0.12% | 20,124 |
| Q1 2025 | $304.3M | $260.2M | $226.6M | $32.7M | $218K | 0.29% | 3.69% | 0.13% | 20,505 |
| Q4 2024 | $303.6M | $257.1M | $234.9M | $32.5M | $603K | 0.20% | 3.61% | 0.24% | 20,897 |
| Q3 2024 | $306.9M | $258.7M | $243.2M | $32.8M | $891K | 0.39% | 3.53% | 0.17% | 22,438 |
| Q2 2024 | $311.7M | $262.6M | $248.0M | $32.2M | $313K | 0.20% | 3.41% |
| Ratio | Intrepid Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 17,109 |
Loan mix (Q1 2026): real estate $64.4M · commercial $20.6M · consumer $69.9M · securities $34.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 78.7% | 67th |
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 | Intrepid 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 | Intrepid 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 | Intrepid 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 | Intrepid 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.