Charles City, IA · Charter 64067
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
42
Asset Quality
88
Profitability
49
Liquidity
0
Efficiency
55
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.
Charles City, IA · Charter 64067
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 | 1.95% | 1.76% | 1.17% | 1.08% | 1.27% | 1.18% | 0.97% | 0.88% | -20 bps | |
| Return on Equity | 16.48% | 14.84% | 10.12% | 9.22% | 10.69% | 9.89% | 8.14% | 7.24% | -197 bps | |
| Net Interest Margin | 4.11% | 4.09% | 3.78% | 3.74% | 3.69% | 3.59% | 3.33% | 3.38% | -37 bps | |
| Efficiency Ratio | 59.60% | 62.56% | 66.16% | 68.22% | 68.03% | 69.61% | 73.71% | 76.48% | +826 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.88% | 6.83% | 12.15% | 9.89% | 11.38% | 10.07% | 7.20% | 4.78% | -511 bps | |
| Loan Growth (YoY) | 8.05% | 6.17% | 4.00% | 5.89% | 1.10% | 2.89% | 0.96% | 2.98% | -291 bps | |
| Share Growth (YoY) | 2.33% | 5.39% | 12.09% | 9.48% | 11.02% | 9.93% | 6.25% | 4.35% | -513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.01% | 0.03% | 0.72% | 0.21% | 0.08% | 0.12% | 0.08% | -64 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 | 11.80% | 11.87% | 11.57% | 11.66% | 11.88% | 11.97% | 11.85% | 12.10% | +44 bps | |
| Net Worth / Assets | 11.80% | 11.87% | 11.57% | 11.66% | 11.88% | 11.97% | 11.85% | 12.10% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.74% | 40.79% | 39.86% | 39.25% | 38.02% | 38.18% | 37.88% | 38.73% | -52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Charles City, IA · Charter 64067 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.87%
Rank 711 of 1,683
Net Interest Margin
3.38%
Rank 1,224 of 1,683
Efficiency Ratio
76.53%
Rank 753 of 1,682
Equity / Assets
12.10%
Rank 980 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.87% | 0.35% | 0.74% | 1.18% | Beats 58% | 711 / 1,683 | ||
| Return on Equity | 7.23% | 2.67% | 5.89% | 8.74% | Beats 63% | 616 / 1,681 | ||
| Net Interest Margin | 3.38% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,224 / 1,683 | ||
| Efficiency Ratio | 76.53% | 68.91% | 78.20% | 86.93% | Beats 55% | 753 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.26% | 0.65% | 1.29% | Beats 88% | 212 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.10% | 10.44% | 12.89% | 16.53% | Beats 42% | 980 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.10% | 10.44% | 12.89% | 16.53% | Beats 42% | 980 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.73% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,514 / 1,683 | ||
| Loans / Assets | 33.86% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,492 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||