Estherville, IA · Charter 63299
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
84
Asset Quality
7
Profitability
56
Liquidity
48
Efficiency
98
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.
Estherville, IA · Charter 63299
NCUA · 1 branch
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 | 1.71% | 1.32% | 1.63% | 1.43% | 1.49% | 1.25% | 1.39% | 1.61% | +18 bps | |
| Return on Equity | 8.38% | 6.68% | 8.48% | 7.57% | 7.73% | 6.60% | 7.38% | 8.47% | +90 bps | |
| Net Interest Margin | 2.78% | 2.55% | 2.72% | 2.65% | 2.74% | 2.55% | 2.73% | 2.77% | +13 bps | |
| Efficiency Ratio | 41.22% | 46.38% | 40.39% | 42.24% | 41.31% | 46.71% | 44.67% | 43.64% | +140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.58% | 9.73% | 11.28% | 14.16% | 12.58% | 12.15% | 8.86% | 7.11% | -704 bps | |
| Loan Growth (YoY) | 5.35% | 2.39% | 0.91% | 1.22% | -1.55% | -1.27% | -1.37% | -3.06% | -428 bps | |
| Share Growth (YoY) | 9.02% | 10.41% | 12.29% | 16.01% | 14.18% | 13.46% | 9.40% | 7.04% | -897 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.48% | 3.80% | 2.99% | 3.44% | 3.62% | 2.88% | 3.60% | 3.25% | -19 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 | 20.37% | 19.82% | 19.17% | 18.89% | 19.27% | 18.92% | 18.79% | 18.96% | +7 bps | |
| Net Worth / Assets | 20.37% | 19.82% | 19.17% | 18.89% | 19.27% | 18.92% | 18.79% | 18.96% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.76% | 64.87% | 60.57% | 59.04% | 58.42% | 56.45% | 54.61% | 53.47% | -557 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Estherville, IA · Charter 63299 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.61%
Rank 200 of 1,683
Net Interest Margin
2.77%
Rank 1,550 of 1,683
Efficiency Ratio
43.62%
Rank 28 of 1,682
Equity / Assets
18.96%
Rank 272 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.61% | 0.35% | 0.74% | 1.18% | Beats 88% | 200 / 1,683 | ||
| Return on Equity | 8.46% | 2.67% | 5.89% | 8.74% | Beats 73% | 455 / 1,681 | ||
| Net Interest Margin | 2.77% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,550 / 1,683 | ||
| Efficiency Ratio | 43.62% | 68.91% | 78.20% | 86.93% | Beats 98% | 28 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.25% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,570 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.96% | 10.44% | 12.89% | 16.53% | Beats 84% | 272 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.96% | 10.44% | 12.89% | 16.53% | Beats 84% | 272 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.47% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,250 / 1,683 | ||
| Loans / Assets | 43.15% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,292 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||