Cherokee, IA · Charter 62638
NCUA · 3 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
19
Asset Quality
57
Profitability
31
Liquidity
34
Efficiency
62
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.
Cherokee, IA · Charter 62638
NCUA · 3 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 | 0.62% | 0.64% | 0.14% | 0.14% | 0.07% | 0.03% | -0.25% | -0.02% | -16 bps | |
| Return on Equity | 6.86% | 7.03% | 1.57% | 1.50% | 0.71% | 0.34% | -2.65% | -0.19% | -169 bps | |
| Net Interest Margin | 3.65% | 3.58% | 3.55% | 3.65% | 3.78% | 3.80% | 3.88% | 4.21% | +57 bps | |
| Efficiency Ratio | 71.87% | 70.80% | 78.85% | 75.27% | 74.57% | 72.26% | 77.19% | 73.90% | -137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.16% | 5.08% | 2.95% | 5.64% | 0.59% | -1.59% | -3.76% | -7.61% | -1,324 bps | |
| Loan Growth (YoY) | 10.66% | 7.96% | 4.61% | -0.72% | -3.51% | -4.25% | -3.79% | -3.14% | -241 bps | |
| Share Growth (YoY) | 10.49% | 5.30% | 2.97% | 6.32% | 0.46% | -1.68% | -3.95% | -8.16% | -1,448 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.25% | 1.25% | 1.16% | 1.46% | 1.11% | 0.77% | 0.54% | -62 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 | 9.10% | 9.06% | 9.04% | 9.12% | 9.28% | 9.24% | 9.32% | 9.83% | +70 bps | |
| Net Worth / Assets | 9.10% | 9.06% | 9.04% | 9.12% | 9.28% | 9.24% | 9.32% | 9.83% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.49% | 81.86% | 80.59% | 80.05% | 81.15% | 79.72% | 80.72% | 84.43% | +438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cherokee, IA · Charter 62638 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.02%
Rank 1,494 of 1,683
Net Interest Margin
4.21%
Rank 497 of 1,683
Efficiency Ratio
73.90%
Rank 632 of 1,682
Equity / Assets
9.82%
Rank 1,371 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,494 / 1,683 | ||
| Return on Equity | -0.19% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,496 / 1,681 | ||
| Net Interest Margin | 4.21% | 3.31% | 3.82% | 4.32% | Beats 70% | 497 / 1,683 | ||
| Efficiency Ratio | 73.90% | 68.91% | 78.20% | 86.93% | Beats 62% | 632 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.29% | Beats 57% | 732 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.82% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,371 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.82% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,371 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.43% | 52.61% | 69.38% | 83.50% | 77th pctl | 392 / 1,683 | ||
| Loans / Assets | 75.54% | 44.71% | 59.18% | 70.72% | 84th pctl | 267 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||