Impact Credit Union, Inc.
Clyde, OH · Charter 68150 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$205.7MAssets
$125.3MLoans
$185.7MShares
$18.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets (rank 605 of 1682).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1525 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.29%
Rank 1,320 of 1,683
Net Interest Margin
3.58%
Rank 1,054 of 1,683
Efficiency Ratio
89.71%
Rank 1,374 of 1,682
Equity / Assets
8.86%
Rank 1,525 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,320 / 1,683 | |
| Return on Equity | 3.27% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,175 / 1,681 | |
| Net Interest Margin | 3.58% | 3.31% | 3.82% | 4.32% | Beats 37% | 1,054 / 1,683 | |
| Efficiency Ratio | 89.71% | 68.91% | 78.20% | 86.93% | Beats 18% | 1,374 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.26% | 0.65% | 1.29% | Beats 64% | 605 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.86% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,525 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.86% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,525 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.46% | 52.61% | 69.38% | 83.50% | 46th pctl | 904 / 1,683 | |
| Loans / Assets | 60.92% | 44.71% | 59.18% | 70.72% | 54th pctl | 773 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |