International F, MN · Charter 24626
NCUA · 6 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
70
Asset Quality
68
Profitability
79
Liquidity
9
Efficiency
64
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
International F, MN · Charter 24626
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 1.44% | 1.16% | 1.35% | 1.42% | +6 bps | |
| Return on Equity | 8.98% | 9.48% | 7.65% | 8.93% | 9.22% | +23 bps | |
| Net Interest Margin | 4.14% | 4.13% | 3.94% | 4.30% | 4.38% | +24 bps | |
| Efficiency Ratio | 75.16% | 72.85% | 76.22% | 74.84% | 73.38% | -178 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.16% | 5.82% | 6.54% | 6.01% | 6.65% | +50 bps | |
| Loan Growth (YoY) | 1.66% | 5.77% | 10.18% | 12.04% | 12.77% | +1,110 bps | |
| Share Growth (YoY) | 6.69% | 5.91% | 6.00% | 5.52% | 6.05% | -65 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.72% | 0.37% | 0.18% | 0.36% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.17% | 15.15% | 15.15% | 15.15% | 15.42% | +25 bps | |
| Net Worth / Assets | 15.17% | 15.15% | 15.15% | 15.15% | 15.42% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.66% | 86.24% | 89.12% | 87.70% | 90.02% | +537 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
International F, MN · Charter 24626 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
1.42%
Rank 284 of 1,683
Net Interest Margin
4.38%
Rank 390 of 1,683
Efficiency Ratio
73.38%
Rank 611 of 1,682
Equity / Assets
15.42%
Rank 508 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.42% | 0.35% | 0.74% | 1.18% | Beats 83% | 284 / 1,683 | |
| Return on Equity | 9.22% | 2.67% | 5.89% | 8.74% | Beats 78% | 365 / 1,681 | |
| Net Interest Margin | 4.38% | 3.31% | 3.82% | 4.32% | Beats 77% | 390 / 1,683 | |
| Efficiency Ratio | 73.38% | 68.91% | 78.20% | 86.93% | Beats 64% | 611 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.26% | 0.65% | 1.29% | Beats 68% | 533 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.42% | 10.44% | 12.89% | 16.53% | Beats 70% | 508 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.42% | 10.44% | 12.89% | 16.53% | Beats 70% | 508 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.02% | 52.61% | 69.38% | 83.50% | 86th pctl | 233 / 1,683 | |
| Loans / Assets | 74.92% | 44.71% | 59.18% | 70.72% | 83rd pctl | 286 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||