Ames, IA · Charter 61664
NCUA · 2 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 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
35
Asset Quality
31
Profitability
44
Liquidity
77
Efficiency
76
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.
Ames, IA · Charter 61664
NCUA · 2 branches
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 | 0.65% | 0.77% | 1.21% | 0.99% | 0.91% | 0.97% | 0.86% | 0.86% | -13 bps | |
| Return on Equity | 5.84% | 6.83% | 10.79% | 8.81% | 7.98% | 8.42% | 7.57% | 7.54% | -127 bps | |
| Net Interest Margin | 2.69% | 2.66% | 2.81% | 2.87% | 2.93% | 2.94% | 2.77% | 2.79% | -8 bps | |
| Efficiency Ratio | 74.22% | 69.01% | 56.18% | 63.93% | 64.89% | 64.51% | 67.90% | 68.11% | +418 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.55% | 4.18% | 4.05% | 6.00% | 6.55% | 5.76% | 7.55% | 6.40% | +40 bps | |
| Loan Growth (YoY) | -7.52% | -12.54% | -11.38% | -9.27% | -6.32% | 1.33% | 3.75% | 5.45% | +1,472 bps | |
| Share Growth (YoY) | 7.16% | 4.07% | 3.23% | 5.66% | 6.20% | 5.55% | 7.44% | 6.17% | +52 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 1.00% | 0.50% | 0.74% | 0.81% | 0.81% | 1.24% | 1.05% | +32 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 | 11.21% | 11.22% | 11.25% | 11.27% | 11.37% | 11.53% | 11.34% | 11.43% | +15 bps | |
| Net Worth / Assets | 11.21% | 11.22% | 11.25% | 11.27% | 11.37% | 11.53% | 11.34% | 11.43% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.80% | 67.68% | 65.05% | 62.84% | 62.46% | 64.98% | 62.81% | 62.42% | -43 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ames, IA · Charter 61664 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.86%
Rank 726 of 1,683
Net Interest Margin
2.79%
Rank 1,544 of 1,683
Efficiency Ratio
68.14%
Rank 401 of 1,682
Equity / Assets
11.43%
Rank 1,086 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 726 / 1,683 | ||
| Return on Equity | 7.54% | 2.67% | 5.89% | 8.74% | Beats 66% | 579 / 1,681 | ||
| Net Interest Margin | 2.79% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,544 / 1,683 | ||
| Efficiency Ratio | 68.14% | 68.91% | 78.20% | 86.93% | Beats 76% | 401 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.26% | 0.65% | 1.29% | Beats 31% | 1,158 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.43% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,086 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.43% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,086 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.42% | 52.61% | 69.38% | 83.50% | 38th pctl | 1,039 / 1,683 | ||
| Loans / Assets | 54.94% | 44.71% | 59.18% | 70.72% | 42nd pctl | 975 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||