PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Iowa

Ames, IA · Charter 64203

NCUA · 10 branches

Q2 2026

$715.1MAssets
$621.1MLoans
$617.0MShares
$67.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.76%, up 5 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.96% of loans (+54 bps YoY).
  • Capital: net worth / assets of 9.43%, up 18 bps from a year ago.
  • Funding: loans stand at 100.66% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.76%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+27 bps YoY

Efficiency Ratio (YTD, annualized)

75.36%-426 bps YoY

Net Worth / Assets

9.43%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.48%0.38%0.71%0.71%0.68%0.47%0.76%+5 bps
Return on Equity4.88%5.26%4.17%7.72%7.51%7.26%4.99%8.10%+37 bps
Net Interest Margin3.39%3.83%4.09%4.18%4.29%4.27%4.36%4.45%+27 bps
Efficiency Ratio80.68%80.73%83.05%79.62%78.86%79.20%79.68%75.36%-426 bps
Growth
Asset Growth (YoY)0.58%1.45%3.25%5.80%5.75%5.78%3.92%5.53%-27 bps
Loan Growth (YoY)-5.46%-2.96%-0.25%4.63%6.51%7.79%10.42%11.82%+719 bps
Share Growth (YoY)-1.33%-0.22%1.22%4.19%5.52%5.53%3.77%3.18%-102 bps
Asset Quality
Delinquent Loans / Loans0.63%0.55%0.37%0.43%0.97%1.11%0.88%0.96%+54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.34%9.20%9.02%9.25%9.45%9.35%9.34%9.43%+18 bps
Net Worth / Assets9.34%9.20%9.02%9.25%9.45%9.35%9.34%9.43%+18 bps
Liquidity & Funding
Loans / Shares94.46%91.97%89.45%92.88%95.35%93.94%95.19%100.66%+778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps