Family Community
Charles City, IA · Charter 64067 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$26.3MAssets
$8.9MLoans
$23.0MShares
$3.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of credit unions under $1B in assets (rank 212 of 1682).
- Widest gap: net interest margin trails 73% of credit unions under $1B in assets (rank 1224 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |