Ideal
Woodbury, MN · Charter 62978 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
$1.1BAssets
$890.3MLoans
$894.8MShares
$115.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions $1B-$10B in assets (rank 186 of 435).
- Widest gap: return on equity trails 74% of credit unions $1B-$10B in assets (rank 320 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.56%
Rank 323 of 435
Net Interest Margin
3.48%
Rank 186 of 435
Efficiency Ratio
75.63%
Rank 294 of 435
Equity / Assets
10.82%
Rank 222 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.55% | 0.81% | 1.14% | Beats 26% | 323 / 435 | |
| Return on Equity | 5.19% | 5.12% | 7.41% | 9.70% | Beats 26% | 320 / 435 | |
| Net Interest Margin | 3.48% | 3.01% | 3.39% | 3.75% | Beats 57% | 186 / 435 | |
| Efficiency Ratio | 75.63% | 65.25% | 71.39% | 77.86% | Beats 33% | 294 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.45% | 0.69% | 1.05% | Beats 43% | 251 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 9.81% | 10.84% | 12.63% | Beats 49% | 222 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.82% | 9.81% | 10.84% | 12.63% | Beats 49% | 222 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 99.49% | 78.33% | 88.38% | 95.61% | 83rd pctl | 73 / 435 | |
| Loans / Assets | 83.31% | 67.69% | 74.58% | 80.80% | 87th pctl | 58 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |