Mason City, IA · Charter 60718
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
77
Asset Quality
64
Profitability
6
Liquidity
24
Efficiency
5
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.
Mason City, IA · Charter 60718
NCUA · 1 branch
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 | 1.38% | 0.82% | 1.92% | 1.26% | -0.37% | -175 bps | |
| Return on Equity | 8.13% | 4.66% | 11.31% | 7.45% | -2.16% | -1,029 bps | |
| Net Interest Margin | 4.55% | 0.40% | 5.03% | 4.24% | 2.41% | -214 bps | |
| Efficiency Ratio | 69.66% | 80.44% | 61.32% | 65.95% | 106.68% | +3,702 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.33% | -0.03% | 9.88% | 1.46% | -2.34% | -1,166 bps | |
| Loan Growth (YoY) | -14.78% | 0.12% | -17.63% | -10.76% | -9.33% | +544 bps | |
| Share Growth (YoY) | 11.06% | -0.03% | 10.77% | 0.05% | -3.15% | -1,422 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 0.98% | 0.88% | 0.56% | 0.42% | -83 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 | 16.96% | 17.62% | 16.94% | 16.84% | 17.04% | +8 bps | |
| Net Worth / Assets | 16.96% | 17.62% | 16.94% | 16.84% | 17.04% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.28% | 63.19% | 48.32% | 46.08% | 46.13% | -314 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mason City, IA · Charter 60718 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.37%
Rank 1,559 of 1,683
Net Interest Margin
2.41%
Rank 1,628 of 1,683
Efficiency Ratio
106.73%
Rank 1,596 of 1,682
Equity / Assets
17.04%
Rank 388 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.37% | 0.35% | 0.74% | 1.18% | Beats 7% | 1,559 / 1,683 | |
| Return on Equity | -2.17% | 2.67% | 5.89% | 8.74% | Beats 7% | 1,555 / 1,681 | |
| Net Interest Margin | 2.41% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,628 / 1,683 | |
| Efficiency Ratio | 106.73% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,596 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 64% | 601 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.04% | 10.44% | 12.89% | 16.53% | Beats 77% | 388 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.04% | 10.44% | 12.89% | 16.53% | Beats 77% | 388 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.13% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,388 / 1,683 | |
| Loans / Assets | 38.14% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,409 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||