Mason City, IA · Charter 64191
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
18
Asset Quality
33
Profitability
80
Liquidity
0
Efficiency
57
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.
Mason City, IA · Charter 64191
NCUA · 3 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 | 1.22% | 1.33% | 1.27% | 1.10% | 0.97% | -25 bps | |
| Return on Equity | 13.40% | 13.94% | 13.28% | 11.54% | 9.93% | -348 bps | |
| Net Interest Margin | 4.55% | 4.72% | 4.60% | 5.71% | 5.26% | +71 bps | |
| Efficiency Ratio | 70.70% | 69.75% | 71.15% | 77.72% | 75.88% | +518 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.44% | 1.77% | 5.18% | 3.51% | 4.83% | +138 bps | |
| Loan Growth (YoY) | 4.69% | 5.36% | 5.19% | 1.31% | 1.32% | -337 bps | |
| Share Growth (YoY) | 3.19% | 1.48% | 4.55% | 3.25% | 3.44% | +25 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.85% | 0.93% | 1.37% | 1.00% | +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 | 9.08% | 9.55% | 9.53% | 9.49% | 9.75% | +67 bps | |
| Net Worth / Assets | 9.08% | 9.55% | 9.53% | 9.49% | 9.75% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.18% | 102.97% | 98.52% | 93.91% | 99.11% | -208 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mason City, IA · Charter 64191 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.97%
Rank 619 of 1,683
Net Interest Margin
5.26%
Rank 101 of 1,683
Efficiency Ratio
75.88%
Rank 720 of 1,682
Equity / Assets
9.75%
Rank 1,385 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.35% | 0.74% | 1.18% | Beats 63% | 619 / 1,683 | |
| Return on Equity | 9.93% | 2.67% | 5.89% | 8.74% | Beats 83% | 288 / 1,681 | |
| Net Interest Margin | 5.26% | 3.31% | 3.82% | 4.32% | Beats 94% | 101 / 1,683 | |
| Efficiency Ratio | 75.88% | 68.91% | 78.20% | 86.93% | Beats 57% | 720 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.00% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,125 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.75% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,385 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.75% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,385 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.11% | 52.61% | 69.38% | 83.50% | 96th pctl | 65 / 1,683 | |
| Loans / Assets | 87.94% | 44.71% | 59.18% | 70.72% | 99th pctl | 17 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||