West Des Moines, IA · Charter 62965
NCUA · 4 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
63
Asset Quality
32
Profitability
54
Liquidity
50
Efficiency
64
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.
West Des Moines, IA · Charter 62965
NCUA · 4 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 | 1.21% | 1.24% | 1.22% | 0.85% | 1.03% | -18 bps | |
| Return on Equity | 8.65% | 8.67% | 8.58% | 6.01% | 7.22% | -143 bps | |
| Net Interest Margin | 3.53% | 3.57% | 3.50% | 3.42% | 3.48% | -5 bps | |
| Efficiency Ratio | 67.68% | 67.59% | 67.41% | 77.64% | 73.24% | +555 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.86% | 6.01% | 6.85% | 6.20% | 6.70% | +185 bps | |
| Loan Growth (YoY) | 8.02% | 8.37% | 7.44% | 2.39% | 1.18% | -684 bps | |
| Share Growth (YoY) | 4.03% | 5.06% | 5.97% | 5.49% | 6.40% | +237 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.40% | 0.93% | 0.53% | 1.03% | +75 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 | 14.04% | 14.27% | 14.26% | 14.10% | 14.28% | +25 bps | |
| Net Worth / Assets | 14.04% | 14.27% | 14.26% | 14.10% | 14.28% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.00% | 86.06% | 84.53% | 80.92% | 80.83% | -417 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
West Des Moines, IA · Charter 62965 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.03%
Rank 568 of 1,683
Net Interest Margin
3.48%
Rank 1,140 of 1,683
Efficiency Ratio
73.23%
Rank 601 of 1,682
Equity / Assets
14.28%
Rank 631 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 568 / 1,683 | |
| Return on Equity | 7.22% | 2.67% | 5.89% | 8.74% | Beats 63% | 618 / 1,681 | |
| Net Interest Margin | 3.48% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,140 / 1,683 | |
| Efficiency Ratio | 73.23% | 68.91% | 78.20% | 86.93% | Beats 64% | 601 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.03% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,147 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.28% | 10.44% | 12.89% | 16.53% | Beats 63% | 631 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.28% | 10.44% | 12.89% | 16.53% | Beats 63% | 631 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.83% | 52.61% | 69.38% | 83.50% | 71st pctl | 490 / 1,683 | |
| Loans / Assets | 69.05% | 44.71% | 59.18% | 70.72% | 71st pctl | 480 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||