First
Hiawatha, IA · Charter 24673 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$174.5MAssets
$137.6MLoans
$152.0MShares
$12.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 39% of credit unions under $1B in assets (rank 1027 of 1682).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1658 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.48%
Rank 1,574 of 1,683
Net Interest Margin
2.38%
Rank 1,633 of 1,683
Efficiency Ratio
104.29%
Rank 1,585 of 1,682
Equity / Assets
7.29%
Rank 1,658 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.48% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,574 / 1,683 | |
| Return on Equity | -6.63% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,604 / 1,681 | |
| Net Interest Margin | 2.38% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,633 / 1,683 | |
| Efficiency Ratio | 104.29% | 68.91% | 78.20% | 86.93% | Beats 6% | 1,585 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,027 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.29% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,658 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.29% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,658 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 90.52% | 52.61% | 69.38% | 83.50% | 87th pctl | 224 / 1,683 | |
| Loans / Assets | 78.81% | 44.71% | 59.18% | 70.72% | 90th pctl | 171 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |