| Metric | iQ Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +5.1% | +0.8 pts |
| Share growth (YoY) | +5.4% | +4.9% | +0.6 pts |
| Loan growth (YoY) | +8.8% | +5.4% | +3.3 pts |
| ROA | 1.35% | 0.71% | +0.6 pts |
| ROE | 12.3% | 6.3% | +6.0 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.20B | $1.93B | $1.67B | $241.6M | $7.4M | 1.35% | 3.36% | 0.86% | 105,204 |
| Q4 2025 | $2.16B | $1.91B | $1.65B | $234.2M | $20.3M | 0.94% | 3.24% | 0.74% | 104,584 |
| Q3 2025 | $2.15B | $1.89B | $1.69B | $228.2M | $14.3M | 0.89% | 3.19% | 0.58% | 104,439 |
| Q2 2025 | $2.08B | $1.83B | $1.57B | $224.5M | $10.6M | 1.02% | 3.25% | 0.69% | 104,138 |
| Q1 2025 | $2.08B | $1.83B | $1.53B | $219.5M | $5.5M | 1.06% | 3.26% | 0.64% | 103,897 |
| Q4 2024 | $2.01B | $1.77B | $1.56B | $213.9M | $21.3M | 1.06% | 3.29% | 0.85% | 103,840 |
| Q3 2024 | $2.01B | $1.76B | $1.54B | $206.0M | $13.3M | 0.88% | 3.29% | 1.11% | 104,002 |
| Q2 2024 | $2.00B | $1.76B | $1.57B | $201.2M | $8.5M | 0.85% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | iQ Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.71% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 6.3% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.99% |
| 104,066 |
Loan mix (Q1 2026): real estate $769.6M · commercial $400.1M · consumer $463.2M · securities $39.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 73.0% | 24th |
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 | iQ 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 | iQ 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 | iQ 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 | iQ 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.