Members1st Community
Marshalltown, IA · Charter 62918 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$311.1MAssets
$215.4MLoans
$278.8MShares
$29.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 58% of credit unions under $1B in assets (rank 705 of 1682).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets (rank 1421 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |