Fort Madison, IA · Charter 62429
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
39
Asset Quality
100
Profitability
62
Liquidity
84
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.
Fort Madison, IA · Charter 62429
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 | 1.12% | 0.46% | 1.39% | 1.25% | 1.33% | 0.62% | 1.45% | 1.44% | +19 bps | |
| Return on Equity | 8.87% | 3.90% | 11.69% | 10.37% | 10.54% | 5.25% | 12.35% | 12.15% | +178 bps | |
| Net Interest Margin | 2.57% | 1.88% | 2.94% | 2.81% | 2.97% | 2.20% | 2.83% | 2.90% | +9 bps | |
| Efficiency Ratio | 56.76% | 75.50% | 53.18% | 55.86% | 55.43% | 71.97% | 49.20% | 50.97% | -489 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.36% | 9.76% | 10.38% | 9.43% | 4.25% | 2.29% | 2.59% | 3.47% | -596 bps | |
| Loan Growth (YoY) | 5.64% | 3.47% | -2.09% | 2.44% | 4.66% | 8.99% | 8.82% | 4.38% | +194 bps | |
| Share Growth (YoY) | 4.18% | 10.59% | 11.19% | 10.09% | 4.17% | 2.32% | 2.76% | 3.72% | -636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.10% | 0.00% | 0.00% | 1.07% | 0.00% | 0.00% | 0.00% | 0 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 | 0.59% | 0.61% | 0.55% | 0.51% | 0.30% | 0.23% | 0.33% | 0.43% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.58% | 11.91% | 11.87% | 12.02% | 12.65% | 11.87% | 11.75% | 11.83% | -20 bps | |
| Net Worth / Assets | 12.58% | 11.91% | 11.87% | 12.02% | 12.65% | 11.87% | 11.75% | 11.83% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.98% | 72.66% | 68.15% | 72.53% | 77.35% | 77.39% | 72.16% | 73.00% | +46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Madison, IA · Charter 62429 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.45%
Rank 271 of 1,683
Net Interest Margin
2.89%
Rank 1,507 of 1,683
Efficiency Ratio
51.52%
Rank 76 of 1,682
Equity / Assets
11.83%
Rank 1,022 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | 0.35% | 0.74% | 1.18% | Beats 84% | 271 / 1,683 | ||
| Return on Equity | 12.22% | 2.67% | 5.89% | 8.74% | Beats 92% | 128 / 1,681 | ||
| Net Interest Margin | 2.89% | 3.31% | 3.82% | 4.32% | Beats 10% | 1,507 / 1,683 | ||
| Efficiency Ratio | 51.52% | 68.91% | 78.20% | 86.93% | Beats 96% | 76 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.83% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,022 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.83% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,022 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.00% | 52.61% | 69.38% | 83.50% | 57th pctl | 727 / 1,683 | ||
| Loans / Assets | 64.30% | 44.71% | 59.18% | 70.72% | 61st pctl | 649 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||