North Iowa Community
Mason City, IA · Charter 64191 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$127.8MAssets
$112.4MLoans
$113.4MShares
$12.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 101 of 1683).
- Widest gap: equity / assets trails 82% of credit unions under $1B in assets (rank 1385 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |