PackageTrendsPeer
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Corda

Cedar Rapids, IA · Charter 63602

NCUA · 4 branches

Q2 2026

$776.3MAssets
$662.9MLoans
$596.1MShares
$74.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, up 24 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 0.66% of loans (-10 bps YoY).
  • Capital: net worth / assets of 9.54%, down 70 bps from a year ago.
  • Funding: loans stand at 111.20% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+35 bps YoY

Efficiency Ratio (YTD, annualized)

74.23%-54 bps YoY

Net Worth / Assets

9.54%-70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%-0.38%-0.07%0.55%0.67%+24 bps
Return on Equity4.18%-3.94%-0.68%5.69%7.00%+282 bps
Net Interest Margin3.37%3.48%3.57%3.68%3.72%+35 bps
Efficiency Ratio74.77%95.60%88.47%75.89%74.23%-54 bps
Growth
Asset Growth (YoY)6.94%4.59%5.76%9.59%7.67%+73 bps
Loan Growth (YoY)6.43%5.72%5.71%8.94%7.45%+102 bps
Share Growth (YoY)8.17%7.23%7.73%8.28%6.20%-197 bps
Asset Quality
Delinquent Loans / Loans0.76%0.76%0.89%0.70%0.66%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.24%9.70%9.84%9.68%9.54%-70 bps
Net Worth / Assets10.24%9.70%9.84%9.68%9.54%-70 bps
Liquidity & Funding
Loans / Shares109.91%110.63%108.05%106.44%111.20%+130 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps