Sioux City, IA · Charter 63218
NCUA · 6 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
43
Asset Quality
63
Profitability
58
Liquidity
29
Efficiency
43
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.
Sioux City, IA · Charter 63218
NCUA · 6 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 | 0.86% | 1.12% | 1.23% | 0.34% | 0.77% | -9 bps | |
| Return on Equity | 7.69% | 9.65% | 10.25% | 2.86% | 6.32% | -137 bps | |
| Net Interest Margin | 4.09% | 4.17% | 4.19% | 4.00% | 4.14% | +5 bps | |
| Efficiency Ratio | 77.59% | 73.46% | 72.24% | 88.56% | 80.64% | +305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.92% | 6.66% | 5.27% | 5.09% | 1.82% | -610 bps | |
| Loan Growth (YoY) | 1.24% | 4.43% | 4.02% | 4.34% | 1.70% | +46 bps | |
| Share Growth (YoY) | 6.50% | 4.86% | 3.78% | 4.02% | 0.98% | -552 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.28% | 0.20% | 0.32% | 0.45% | +24 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 | 11.24% | 11.63% | 11.99% | 11.72% | 12.21% | +97 bps | |
| Net Worth / Assets | 11.24% | 11.63% | 11.99% | 11.72% | 12.21% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.94% | 87.31% | 86.66% | 83.43% | 85.55% | +60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sioux City, IA · Charter 63218 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.77%
Rank 808 of 1,683
Net Interest Margin
4.14%
Rank 559 of 1,683
Efficiency Ratio
80.67%
Rank 964 of 1,682
Equity / Assets
12.21%
Rank 959 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 808 / 1,683 | |
| Return on Equity | 6.32% | 2.67% | 5.89% | 8.74% | Beats 54% | 767 / 1,681 | |
| Net Interest Margin | 4.14% | 3.31% | 3.82% | 4.32% | Beats 67% | 559 / 1,683 | |
| Efficiency Ratio | 80.67% | 68.91% | 78.20% | 86.93% | Beats 43% | 964 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.45% | 0.26% | 0.65% | 1.29% | Beats 63% | 630 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.21% | 10.44% | 12.89% | 16.53% | Beats 43% | 959 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.21% | 10.44% | 12.89% | 16.53% | Beats 43% | 959 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.55% | 52.61% | 69.38% | 83.50% | 78th pctl | 362 / 1,683 | |
| Loans / Assets | 74.88% | 44.71% | 59.18% | 70.72% | 83rd pctl | 290 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||