PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Iowa Community

Mason City, IA · Charter 64191

NCUA · 3 branches

Q2 2026

$127.8MAssets
$112.4MLoans
$113.4MShares
$12.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, down 25 bps year over year; NIM at 5.26%.
  • Asset quality: problem loans at 1.00% of loans (+10 bps YoY).
  • Capital: net worth / assets of 9.75%, up 67 bps from a year ago.
  • Funding: loans stand at 99.11% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%-25 bps YoY

Net Interest Margin (YTD, annualized)

5.26%+71 bps YoY

Efficiency Ratio (YTD, annualized)

75.88%+518 bps YoY

Net Worth / Assets

9.75%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.33%1.27%1.10%0.97%-25 bps
Return on Equity13.40%13.94%13.28%11.54%9.93%-348 bps
Net Interest Margin4.55%4.72%4.60%5.71%5.26%+71 bps
Efficiency Ratio70.70%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 / Loans0.90%0.85%0.93%1.37%1.00%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.08%9.55%9.53%9.49%9.75%+67 bps
Net Worth / Assets9.08%9.55%9.53%9.49%9.75%+67 bps
Liquidity & Funding
Loans / Shares101.18%102.97%98.52%93.91%99.11%-208 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps