Webster City, IA · Charter 64140
NCUA · 3 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 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
26
Asset Quality
13
Profitability
32
Liquidity
71
Efficiency
47
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.
Webster City, IA · Charter 64140
NCUA · 3 branches
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 | -0.81% | -0.57% | 0.71% | 0.34% | 0.15% | 0.17% | -0.13% | 0.22% | -12 bps | |
| Return on Equity | -7.74% | -5.36% | 6.70% | 3.23% | 1.40% | 1.59% | -1.24% | 2.06% | -117 bps | |
| Net Interest Margin | 3.53% | 3.72% | 3.74% | 3.93% | 3.95% | 4.04% | 3.91% | 3.95% | +2 bps | |
| Efficiency Ratio | 85.43% | 85.68% | 69.25% | 73.38% | 75.62% | 76.02% | 91.81% | 79.11% | +573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 1.84% | 2.95% | 0.47% | -0.34% | 1.40% | 2.20% | -0.21% | -68 bps | |
| Loan Growth (YoY) | 1.51% | -0.05% | -5.27% | -7.58% | -8.05% | -2.59% | 0.75% | 2.16% | +974 bps | |
| Share Growth (YoY) | 3.82% | 1.55% | 3.17% | 1.53% | 0.69% | 2.44% | 3.33% | -0.46% | -199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.51% | 2.34% | 1.97% | 3.26% | 2.82% | 3.49% | 1.89% | 2.16% | -109 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 | 10.45% | 10.67% | 10.56% | 10.57% | 10.58% | 10.58% | 10.19% | 10.57% | 0 bps | |
| Net Worth / Assets | 10.45% | 10.67% | 10.56% | 10.57% | 10.58% | 10.58% | 10.19% | 10.57% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.48% | 81.59% | 76.06% | 74.03% | 75.32% | 77.58% | 74.17% | 75.98% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Webster City, IA · Charter 64140 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.22%
Rank 1,371 of 1,683
Net Interest Margin
3.95%
Rank 708 of 1,683
Efficiency Ratio
79.09%
Rank 888 of 1,682
Equity / Assets
10.57%
Rank 1,242 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.22% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,371 / 1,683 | ||
| Return on Equity | 2.07% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,338 / 1,681 | ||
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 708 / 1,683 | ||
| Efficiency Ratio | 79.09% | 68.91% | 78.20% | 86.93% | Beats 47% | 888 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.16% | 0.26% | 0.65% | 1.29% | Beats 13% | 1,470 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.57% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,242 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.57% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,242 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.98% | 52.61% | 69.38% | 83.50% | 62nd pctl | 642 / 1,683 | ||
| Loans / Assets | 67.11% | 44.71% | 59.18% | 70.72% | 67th pctl | 557 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||