Irco Community

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$93.8M

41^th percentile

Members

6,542

40^th percentile

Total loans

$52.1M

42^th percentile

Total shares

$84.5M

45^th percentile

Profitability

Return on assets

0.67%

26^th percentile

Net interest margin

4.20%

79^th percentile

Efficiency ratio

83.71%

4^th percentile

Non-interest income ratio

12.98%

29^th percentile

Capital & Risk

Net worth ratio

9.54%

18^th percentile

Delinquency rate

0.96%

36^th percentile

Net charge-off rate

-0.07%

100^th percentile

Loan-to-share

61.66%

39^th percentile

Growth

Member growth YoY

-5.87%

9^th percentile

Asset growth YoY

2.89%

41^th percentile

Loan growth YoY

11.40%

90^th percentile

Share growth YoY

2.04%

38^th percentile

Operations

Members / branch

3,271

54^th percentile

Assets / member

$14,334

49^th percentile

Field of membership penetration

0.92%

14^th percentile

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