Credit Union Safety Analysis
Is Iq Credit Union Safe? Vancouver, Washington
Based on its Q2 2026 NCUA 5300 call report, Iq Credit Union has a net worth ratio of 11.30%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Iq Credit Union's net worth ratio is 11.30%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.30%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 1.09%
- Loan-to-share ratio (Q2 2026): 91.42%
Iq Credit Union (NCUA charter 60438, established 1940) reported $2.19B in assets and 106,061 members for Q2 2026 from Vancouver, Washington. It ranks 13 of 73 credit unions in Washington by total assets. Total assets grew 5.2% from $2.08B on June 30, 2025. It has 1,923 more members than on June 30, 2025 (+1.8%). Its net worth ratio was up 0.52 percentage points from 10.78% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $789.3M of $1.75B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.99% for Q1 2026; 10.78% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.86% for Q1 2026; 0.69% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.35% for Q1 2026; 0.97% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 86.36% for Q1 2026; 86.03% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $789.3M
- Commercial loans: $388.7M
- Used vehicle loans: $331.4M
- New vehicle loans: $123.3M
- Unsecured credit card loans: $76.8M
- Other secured non-real estate loans and lines of credit: $33.4M
- Other unsecured loans and lines of credit: $9.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.19B | 11.30% | 0.79% | 1.09% | 91.42% |
| March 31, 2026 | $2.20B | 10.99% | 0.86% | 1.35% | 86.36% |
| December 31, 2025 | $2.16B | 10.82% | 0.74% | 1.10% | 86.76% |
| September 30, 2025 | $2.15B | 10.61% | 0.58% | 0.70% | 89.40% |
| June 30, 2025 | $2.08B | 10.78% | 0.69% | 0.97% | 86.03% |
| March 31, 2025 | $2.08B | 10.57% | 0.64% | 1.06% | 83.71% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60438) · FFIEC NIC profile (RSSD 542096)
Frequently asked questions
Is Iq Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Iq Credit Union's net worth ratio is 11.30%, above the 7% NCUA threshold for well capitalized.
Is Iq Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Iq Credit Union is a federally insured credit union (NCUA charter 60438): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Iq Credit Union's key safety ratios?
For Q2 2026, Iq Credit Union reports net worth 11.30%, delinquency 0.79%, ROA 1.09%, loan-to-share 91.42%.
What happens to my money if Iq Credit Union fails?
For Q2 2026, Iq Credit Union held $1.92B in shares and deposits for 106,061 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.