Dubuque, IA · Charter 64049
NCUA · 24 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
82
Asset Quality
44
Profitability
56
Liquidity
90
Efficiency
62
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.
Dubuque, IA · Charter 64049
NCUA · 24 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 | 0.95% | 1.04% | 1.08% | 0.72% | 1.12% | +17 bps | |
| Return on Equity | 8.01% | 8.49% | 8.69% | 5.68% | 8.40% | +39 bps | |
| Net Interest Margin | 2.61% | 2.71% | 2.94% | 2.91% | 3.08% | +47 bps | |
| Efficiency Ratio | 70.54% | 69.83% | 68.80% | 76.36% | 68.32% | -222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.80% | 6.58% | 4.53% | 2.91% | -1.39% | -1,119 bps | |
| Loan Growth (YoY) | -0.21% | 3.63% | 5.51% | 4.97% | 6.02% | +624 bps | |
| Share Growth (YoY) | 12.07% | 8.64% | 6.52% | 5.61% | 3.07% | -899 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.75% | 0.75% | 1.44% | 0.77% | +10 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 | 11.87% | 12.20% | 12.45% | 12.65% | 13.33% | +146 bps | |
| Net Worth / Assets | 11.87% | 12.20% | 12.45% | 12.65% | 13.33% | +146 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.59% | 85.47% | 85.44% | 83.54% | 85.98% | +239 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dubuque, IA · Charter 64049 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
1.12%
Rank 114 of 435
Net Interest Margin
3.08%
Rank 306 of 435
Efficiency Ratio
68.32%
Rank 166 of 435
Equity / Assets
13.33%
Rank 77 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.55% | 0.81% | 1.14% | Beats 74% | 114 / 435 | |
| Return on Equity | 8.40% | 5.12% | 7.41% | 9.70% | Beats 63% | 163 / 435 | |
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 30% | 306 / 435 | |
| Efficiency Ratio | 68.32% | 65.25% | 71.39% | 77.86% | Beats 62% | 166 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.45% | 0.69% | 1.05% | Beats 44% | 246 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.33% | 9.81% | 10.84% | 12.63% | Beats 82% | 77 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.33% | 9.81% | 10.84% | 12.63% | Beats 82% | 77 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.98% | 78.33% | 88.38% | 95.61% | 43rd pctl | 246 / 435 | |
| Loans / Assets | 71.23% | 67.69% | 74.58% | 80.80% | 37th pctl | 274 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||