Fort Dodge, IA · Charter 63159
NCUA · 1 branch
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
50
Asset Quality
16
Profitability
46
Liquidity
90
Efficiency
28
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.
Fort Dodge, IA · Charter 63159
NCUA · 1 branch
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 | 0.88% | 0.64% | 0.22% | 0.43% | 0.58% | -29 bps | |
| Return on Equity | 7.03% | 4.94% | 1.76% | 3.42% | 4.53% | -250 bps | |
| Net Interest Margin | 3.91% | 4.13% | 4.10% | 3.90% | 3.97% | +6 bps | |
| Efficiency Ratio | 80.60% | 86.64% | 95.04% | 87.18% | 85.88% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.81% | 0.45% | 2.01% | 1.59% | -2.57% | -538 bps | |
| Loan Growth (YoY) | -0.18% | 2.08% | 1.71% | 4.92% | 4.37% | +455 bps | |
| Share Growth (YoY) | 3.06% | -0.32% | 1.99% | 1.61% | -3.22% | -628 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.81% | 2.15% | 2.13% | 2.13% | 1.86% | +4 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 | 12.50% | 12.91% | 12.64% | 12.47% | 12.89% | +39 bps | |
| Net Worth / Assets | 12.50% | 12.91% | 12.64% | 12.47% | 12.89% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.52% | 70.42% | 69.07% | 68.50% | 71.74% | +522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Dodge, IA · Charter 63159 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.58%
Rank 1,034 of 1,683
Net Interest Margin
3.97%
Rank 691 of 1,683
Efficiency Ratio
85.82%
Rank 1,217 of 1,682
Equity / Assets
12.89%
Rank 843 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,034 / 1,683 | |
| Return on Equity | 4.52% | 2.67% | 5.89% | 8.74% | Beats 40% | 1,014 / 1,681 | |
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 691 / 1,683 | |
| Efficiency Ratio | 85.82% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,217 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.86% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,421 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.89% | 10.44% | 12.89% | 16.53% | Beats 50% | 843 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.89% | 10.44% | 12.89% | 16.53% | Beats 50% | 843 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.74% | 52.61% | 69.38% | 83.50% | 54th pctl | 767 / 1,683 | |
| Loans / Assets | 61.72% | 44.71% | 59.18% | 70.72% | 56th pctl | 745 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||