Des Moines, IA · Charter 62829
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
43
Asset Quality
69
Profitability
57
Liquidity
45
Efficiency
35
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.
Des Moines, IA · Charter 62829
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 | 1.07% | 0.85% | 0.10% | 0.40% | 0.38% | 0.48% | 1.09% | 0.65% | +25 bps | |
| Return on Equity | 8.74% | 7.11% | 0.84% | 3.33% | 3.11% | 3.91% | 8.84% | 5.36% | +203 bps | |
| Net Interest Margin | 4.16% | 4.11% | 4.17% | 4.23% | 4.36% | 4.40% | 4.59% | 4.56% | +33 bps | |
| Efficiency Ratio | 80.73% | 82.75% | 94.19% | 90.26% | 87.88% | 85.12% | 76.16% | 83.03% | -723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.48% | 4.53% | 3.07% | 0.43% | 2.22% | 0.31% | -1.08% | 3.01% | +258 bps | |
| Loan Growth (YoY) | 0.98% | 3.27% | 4.39% | -0.37% | 0.87% | 2.34% | 2.96% | 6.80% | +717 bps | |
| Share Growth (YoY) | 0.15% | 4.32% | 2.47% | 0.17% | 1.51% | -0.60% | -2.00% | 2.67% | +251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 0.94% | 0.82% | 0.83% | 0.73% | 0.71% | 0.57% | 0.35% | -48 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 | 12.22% | 11.92% | 11.63% | 12.02% | 12.18% | 12.24% | 12.30% | 12.15% | +14 bps | |
| Net Worth / Assets | 12.22% | 11.92% | 11.63% | 12.02% | 12.18% | 12.24% | 12.30% | 12.15% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.54% | 79.63% | 77.40% | 78.72% | 81.02% | 81.98% | 81.32% | 81.88% | +316 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Des Moines, IA · Charter 62829 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.65%
Rank 947 of 1,683
Net Interest Margin
4.56%
Rank 298 of 1,683
Efficiency Ratio
83.02%
Rank 1,090 of 1,682
Equity / Assets
12.15%
Rank 967 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 947 / 1,683 | ||
| Return on Equity | 5.36% | 2.67% | 5.89% | 8.74% | Beats 46% | 914 / 1,681 | ||
| Net Interest Margin | 4.56% | 3.31% | 3.82% | 4.32% | Beats 82% | 298 / 1,683 | ||
| Efficiency Ratio | 83.02% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,090 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.26% | 0.65% | 1.29% | Beats 69% | 515 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.15% | 10.44% | 12.89% | 16.53% | Beats 43% | 967 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.15% | 10.44% | 12.89% | 16.53% | Beats 43% | 967 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.88% | 52.61% | 69.38% | 83.50% | 73rd pctl | 457 / 1,683 | ||
| Loans / Assets | 70.99% | 44.71% | 59.18% | 70.72% | 76th pctl | 409 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||