Cedar Rapids, IA · Charter 62969
NCUA · 9 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
2
Profitability
2
Liquidity
88
Efficiency
2
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.
Cedar Rapids, IA · Charter 62969
NCUA · 9 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 | 0.46% | -0.10% | 0.36% | 0.33% | 0.10% | 0.00% | 0.09% | -0.17% | -51 bps | |
| Return on Equity | 6.04% | -1.30% | 4.73% | 4.28% | 1.25% | 0.05% | 1.16% | -2.23% | -651 bps | |
| Net Interest Margin | 1.83% | 1.90% | 2.11% | 2.16% | 2.25% | 2.36% | 2.29% | 2.31% | +15 bps | |
| Efficiency Ratio | 81.77% | 85.00% | 90.00% | 82.48% | 82.56% | 82.45% | 90.40% | 91.11% | +863 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.40% | -0.29% | -1.81% | -5.63% | -6.62% | -5.92% | -4.50% | -3.19% | +243 bps | |
| Loan Growth (YoY) | 2.47% | 0.79% | -4.62% | -4.80% | -7.30% | -7.13% | -3.35% | -3.44% | +136 bps | |
| Share Growth (YoY) | 5.14% | 7.96% | 8.22% | 1.25% | -1.73% | -2.69% | -0.12% | -1.48% | -273 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 1.77% | 1.11% | 2.27% | 2.55% | 2.67% | 2.51% | 2.47% | +21 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 | 7.68% | 7.40% | 7.54% | 7.80% | 7.85% | 7.90% | 7.81% | 7.78% | -2 bps | |
| Net Worth / Assets | 7.68% | 7.40% | 7.54% | 7.80% | 7.85% | 7.90% | 7.81% | 7.78% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.50% | 87.00% | 83.99% | 87.28% | 85.37% | 83.04% | 81.27% | 85.54% | -174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.70% | 0.00% | 0 bps | |
Cedar Rapids, IA · Charter 62969 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
-0.17%
Rank 429 of 435
Net Interest Margin
2.31%
Rank 416 of 435
Efficiency Ratio
91.11%
Rank 426 of 435
Equity / Assets
7.78%
Rank 429 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.17% | 0.55% | 0.81% | 1.14% | Beats 1% | 429 / 435 | ||
| Return on Equity | -2.23% | 5.12% | 7.41% | 9.70% | Beats 1% | 430 / 435 | ||
| Net Interest Margin | 2.31% | 3.01% | 3.39% | 3.75% | Beats 4% | 416 / 435 | ||
| Efficiency Ratio | 91.11% | 65.25% | 71.39% | 77.86% | Beats 2% | 426 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.47% | 0.45% | 0.69% | 1.05% | Beats 2% | 426 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.78% | 9.81% | 10.84% | 12.63% | Beats 1% | 429 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.78% | 9.81% | 10.84% | 12.63% | Beats 1% | 429 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.54% | 78.33% | 88.38% | 95.61% | 43rd pctl | 249 / 435 | ||
| Loans / Assets | 74.27% | 67.69% | 74.58% | 80.80% | 49th pctl | 222 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||