Cedar Rapids, IA · Charter 60013
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
48
Profitability
91
Liquidity
93
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Cedar Rapids, IA · Charter 60013
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | 2.54% | 2.10% | 2.55% | 2.68% | 2.65% | 2.18% | 2.65% | +10 bps | |
| Return on Equity | 16.81% | 15.45% | 12.81% | 15.12% | 15.42% | 14.61% | 12.00% | 14.09% | -103 bps | |
| Net Interest Margin | 4.27% | 4.36% | 4.24% | 4.27% | 4.28% | 4.39% | 4.39% | 4.42% | +15 bps | |
| Efficiency Ratio | 48.04% | 48.11% | 55.22% | 49.78% | 48.43% | 50.03% | 54.57% | 50.71% | +93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.31% | 4.30% | 4.32% | 6.48% | 6.56% | 6.36% | 5.42% | 4.43% | -206 bps | |
| Loan Growth (YoY) | -3.38% | -2.21% | -1.70% | 0.07% | 4.54% | 5.83% | 5.71% | 3.00% | +293 bps | |
| Share Growth (YoY) | 5.68% | 2.57% | 2.88% | 5.19% | 4.87% | 4.06% | 3.17% | 1.94% | -325 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.23% | 0.35% | 0.30% | 0.24% | 0.18% | 0.25% | 0.70% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.82% | 16.45% | 16.42% | 16.87% | 17.35% | 18.11% | 18.20% | 18.81% | +194 bps | |
| Net Worth / Assets | 15.82% | 16.45% | 16.42% | 16.87% | 17.35% | 18.11% | 18.20% | 18.81% | +194 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.57% | 71.47% | 68.84% | 70.12% | 71.34% | 72.68% | 70.53% | 70.85% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cedar Rapids, IA · Charter 60013 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.65%
Rank 18 of 1,683
Net Interest Margin
4.42%
Rank 370 of 1,683
Efficiency Ratio
50.70%
Rank 66 of 1,682
Equity / Assets
18.81%
Rank 282 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.65% | 0.35% | 0.74% | 1.18% | Beats 99% | 18 / 1,683 | ||
| Return on Equity | 14.09% | 2.67% | 5.89% | 8.74% | Beats 96% | 68 / 1,681 | ||
| Net Interest Margin | 4.42% | 3.31% | 3.82% | 4.32% | Beats 78% | 370 / 1,683 | ||
| Efficiency Ratio | 50.70% | 68.91% | 78.20% | 86.93% | Beats 96% | 66 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.26% | 0.65% | 1.29% | Beats 48% | 875 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.81% | 10.44% | 12.89% | 16.53% | Beats 83% | 282 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.81% | 10.44% | 12.89% | 16.53% | Beats 83% | 282 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.85% | 52.61% | 69.38% | 83.50% | 53rd pctl | 795 / 1,683 | ||
| Loans / Assets | 57.12% | 44.71% | 59.18% | 70.72% | 46th pctl | 912 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||