Marshalltown, IA · Charter 62918
NCUA · 8 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
16
Asset Quality
39
Profitability
32
Liquidity
65
Efficiency
58
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.
Marshalltown, IA · Charter 62918
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.70% | 0.82% | 0.00% | 0.42% | -16 bps | |
| Return on Equity | 6.10% | 7.30% | 8.36% | 0.02% | 4.38% | -172 bps | |
| Net Interest Margin | 3.23% | 3.33% | 3.35% | 3.42% | 3.43% | +20 bps | |
| Efficiency Ratio | 78.41% | 76.87% | 75.09% | 85.32% | 75.72% | -269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.88% | 12.99% | 9.55% | 5.40% | 6.92% | -296 bps | |
| Loan Growth (YoY) | 12.27% | 17.63% | 17.68% | 15.63% | 14.58% | +230 bps | |
| Share Growth (YoY) | 9.44% | 14.25% | 9.00% | 5.05% | 7.05% | -240 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.53% | 0.79% | 0.94% | 0.88% | +21 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.45% | 9.64% | 9.77% | 9.44% | 9.54% | +9 bps | |
| Net Worth / Assets | 9.45% | 9.64% | 9.77% | 9.44% | 9.54% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.20% | 76.18% | 77.54% | 75.89% | 77.28% | +508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marshalltown, IA · Charter 62918 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.42%
Rank 1,211 of 1,683
Net Interest Margin
3.43%
Rank 1,173 of 1,683
Efficiency Ratio
75.72%
Rank 705 of 1,682
Equity / Assets
9.54%
Rank 1,421 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,211 / 1,683 | |
| Return on Equity | 4.38% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,038 / 1,681 | |
| Net Interest Margin | 3.43% | 3.31% | 3.82% | 4.32% | Beats 30% | 1,173 / 1,683 | |
| Efficiency Ratio | 75.72% | 68.91% | 78.20% | 86.93% | Beats 58% | 705 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,032 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.54% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,421 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.54% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,421 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.28% | 52.61% | 69.38% | 83.50% | 65th pctl | 595 / 1,683 | |
| Loans / Assets | 69.25% | 44.71% | 59.18% | 70.72% | 72nd pctl | 471 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||