Ottumwa, IA · Charter 64212
NCUA · 2 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
76
Asset Quality
83
Profitability
51
Liquidity
25
Efficiency
79
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.
Ottumwa, IA · Charter 64212
NCUA · 2 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 | 1.09% | 0.92% | 0.83% | 0.73% | 0.82% | 0.75% | 1.01% | 1.02% | +30 bps | |
| Return on Equity | 6.87% | 5.91% | 5.43% | 4.50% | 4.93% | 4.55% | 6.24% | 6.11% | +161 bps | |
| Net Interest Margin | 3.38% | 3.28% | 3.30% | 3.48% | 3.60% | 3.56% | 3.44% | 3.55% | +7 bps | |
| Efficiency Ratio | 67.21% | 71.85% | 72.95% | 71.27% | 71.81% | 72.53% | 68.50% | 67.14% | -413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.65% | 2.15% | 3.63% | -0.41% | -0.20% | -1.68% | -0.60% | 1.98% | +239 bps | |
| Loan Growth (YoY) | -12.17% | -12.98% | -8.21% | -1.54% | 4.04% | 4.19% | -1.16% | -3.58% | -204 bps | |
| Share Growth (YoY) | -5.52% | 1.37% | 3.23% | -1.49% | -1.12% | -2.85% | -1.51% | 1.37% | +286 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.36% | 0.41% | 0.91% | 0.85% | 0.36% | 0.37% | 0.14% | -77 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 | 15.87% | 15.52% | 15.27% | 16.16% | 16.64% | 16.53% | 16.12% | 16.74% | +58 bps | |
| Net Worth / Assets | 15.87% | 15.52% | 15.27% | 16.16% | 16.64% | 16.53% | 16.12% | 16.74% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.16% | 45.22% | 44.14% | 48.71% | 50.67% | 48.49% | 44.29% | 46.33% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ottumwa, IA · Charter 64212 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.02%
Rank 574 of 1,683
Net Interest Margin
3.55%
Rank 1,085 of 1,683
Efficiency Ratio
67.11%
Rank 362 of 1,682
Equity / Assets
16.74%
Rank 405 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.02% | 0.35% | 0.74% | 1.18% | Beats 66% | 574 / 1,683 | ||
| Return on Equity | 6.12% | 2.67% | 5.89% | 8.74% | Beats 52% | 801 / 1,681 | ||
| Net Interest Margin | 3.55% | 3.31% | 3.82% | 4.32% | Beats 36% | 1,085 / 1,683 | ||
| Efficiency Ratio | 67.11% | 68.91% | 78.20% | 86.93% | Beats 79% | 362 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 284 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.74% | 10.44% | 12.89% | 16.53% | Beats 76% | 405 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.74% | 10.44% | 12.89% | 16.53% | Beats 76% | 405 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 46.33% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,382 / 1,683 | ||
| Loans / Assets | 38.56% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,402 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||