Employees
Estherville, IA · Charter 63299 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$203.4MAssets
$87.8MLoans
$164.1MShares
$38.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of credit unions under $1B in assets (rank 28 of 1682).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1570 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |