Iowa Heartland
Mason City, IA · Charter 60718 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$30.3MAssets
$11.5MLoans
$25.0MShares
$5.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 77% of credit unions under $1B in assets (rank 388 of 1683).
- Widest gap: net interest margin trails 97% of credit unions under $1B in assets (rank 1628 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 8-Qtr Trend | 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 |