Newton, IA · Charter 64030
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
69
Asset Quality
11
Profitability
73
Liquidity
88
Efficiency
79
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.
Newton, IA · Charter 64030
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 | -0.76% | -1.88% | 1.63% | 1.69% | 1.81% | 1.93% | 1.10% | 1.06% | -63 bps | |
| Return on Equity | -5.78% | -14.18% | 12.17% | 12.13% | 12.34% | 12.74% | 7.28% | 6.92% | -522 bps | |
| Net Interest Margin | 5.11% | 5.66% | 5.30% | 5.35% | 5.39% | 5.32% | 4.89% | 4.92% | -43 bps | |
| Efficiency Ratio | 62.05% | 57.66% | 63.02% | 57.79% | 57.77% | 56.46% | 67.63% | 66.57% | +878 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.78% | -20.34% | -10.90% | -8.25% | -9.34% | 0.87% | 1.13% | 2.03% | +1,028 bps | |
| Loan Growth (YoY) | 1.69% | -5.74% | -10.19% | -15.22% | -17.22% | -16.18% | -16.27% | -15.54% | -33 bps | |
| Share Growth (YoY) | -14.60% | -21.19% | -11.12% | -8.10% | -10.99% | -1.10% | -0.32% | -0.04% | +806 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.06% | 2.65% | 3.17% | 3.62% | 2.69% | 3.63% | 3.15% | 2.39% | -123 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 | 13.14% | 13.29% | 13.40% | 13.96% | 14.63% | 15.15% | 15.05% | 15.31% | +135 bps | |
| Net Worth / Assets | 13.14% | 13.29% | 13.40% | 13.96% | 14.63% | 15.15% | 15.05% | 15.31% | +135 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.32% | 84.91% | 80.26% | 77.76% | 75.64% | 71.96% | 67.42% | 65.70% | -1,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Newton, IA · Charter 64030 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.06%
Rank 535 of 1,683
Net Interest Margin
4.92%
Rank 162 of 1,683
Efficiency Ratio
66.56%
Rank 346 of 1,682
Equity / Assets
15.31%
Rank 518 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.06% | 0.35% | 0.74% | 1.18% | Beats 68% | 535 / 1,683 | ||
| Return on Equity | 6.92% | 2.67% | 5.89% | 8.74% | Beats 60% | 669 / 1,681 | ||
| Net Interest Margin | 4.92% | 3.31% | 3.82% | 4.32% | Beats 90% | 162 / 1,683 | ||
| Efficiency Ratio | 66.56% | 68.91% | 78.20% | 86.93% | Beats 79% | 346 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.39% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,499 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.31% | 10.44% | 12.89% | 16.53% | Beats 69% | 518 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.31% | 10.44% | 12.89% | 16.53% | Beats 69% | 518 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.70% | 52.61% | 69.38% | 83.50% | 43rd pctl | 959 / 1,683 | ||
| Loans / Assets | 55.27% | 44.71% | 59.18% | 70.72% | 42nd pctl | 970 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||