North Liberty, IA · Charter 60269
NCUA · 34 branches
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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
12
Asset Quality
40
Profitability
19
Liquidity
0
Efficiency
20
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.
North Liberty, IA · Charter 60269
NCUA · 34 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.24% | 0.02% | 0.59% | 0.54% | +25 bps | |
| Return on Equity | 3.15% | 2.57% | 0.23% | 6.83% | 5.97% | +282 bps | |
| Net Interest Margin | 2.02% | 2.07% | 2.06% | 2.27% | 2.41% | +39 bps | |
| Efficiency Ratio | 75.78% | 75.32% | 76.65% | 76.26% | 75.00% | -78 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.52% | 1.73% | 4.89% | 4.14% | 1.93% | +245 bps | |
| Loan Growth (YoY) | 2.53% | 3.47% | 2.46% | 0.87% | 1.17% | -136 bps | |
| Share Growth (YoY) | -2.30% | -1.05% | 2.20% | 2.00% | 2.40% | +470 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.08% | 2.08% | 1.26% | 1.26% | 1.24% | -84 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.32% | 9.26% | 8.70% | 8.71% | 9.03% | -29 bps | |
| Net Worth / Assets | 9.32% | 9.26% | 8.70% | 8.71% | 9.03% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.04% | 110.54% | 106.60% | 104.13% | 107.73% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
North Liberty, IA · Charter 60269 · Peer group: credit unions any (n=25)
NCUA · 34 branches
Q2 2026
Return on Assets
0.54%
Rank 19 of 25
Net Interest Margin
2.41%
Rank 24 of 25
Efficiency Ratio
75.00%
Rank 21 of 25
Equity / Assets
9.03%
Rank 22 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.54% | 0.87% | 1.36% | Beats 24% | 19 / 25 | |
| Return on Equity | 5.97% | 5.49% | 9.20% | 10.99% | Beats 28% | 18 / 25 | |
| Net Interest Margin | 2.41% | 2.86% | 3.13% | 3.50% | Beats 4% | 24 / 25 | |
| Efficiency Ratio | 75.00% | 54.62% | 61.07% | 70.28% | Beats 20% | 21 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.24% | 0.64% | 0.92% | 1.30% | Beats 40% | 16 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.03% | 9.55% | 10.72% | 11.84% | Beats 12% | 22 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.03% | 9.55% | 10.72% | 11.84% | Beats 12% | 22 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.73% | 81.23% | 88.75% | 93.33% | 96th pctl | 1 / 25 | |
| Loans / Assets | 85.74% | 68.82% | 78.26% | 79.51% | 92nd pctl | 2 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||