Financial Plus
West Des Moines, IA · Charter 62965 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$241.7MAssets
$166.9MLoans
$206.5MShares
$34.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 66% of credit unions under $1B in assets (rank 568 of 1683).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1147 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |