Marshalltown, IA · Charter 64234
NCUA · 1 branch
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
7
Asset Quality
38
Profitability
10
Liquidity
83
Efficiency
17
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.
Marshalltown, IA · Charter 64234
NCUA · 1 branch
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 | 0.81% | 0.67% | 0.10% | 0.16% | 0.20% | 0.08% | -0.22% | -0.04% | -19 bps | |
| Return on Equity | 8.69% | 7.13% | 1.14% | 1.70% | 2.20% | 0.87% | -2.60% | -0.42% | -212 bps | |
| Net Interest Margin | 2.76% | 2.73% | 2.63% | 2.64% | 2.70% | 2.66% | 2.75% | 2.80% | +16 bps | |
| Efficiency Ratio | 71.43% | 78.20% | 95.93% | 91.23% | 89.87% | 92.77% | 91.29% | 90.69% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.99% | 9.11% | 10.14% | 11.60% | 3.56% | 6.29% | 6.59% | 6.85% | -475 bps | |
| Loan Growth (YoY) | 0.10% | -3.26% | 1.21% | 4.78% | 3.08% | 5.31% | 5.39% | 7.37% | +259 bps | |
| Share Growth (YoY) | 11.17% | 12.18% | 12.05% | 11.61% | 4.07% | 6.32% | 6.86% | 6.56% | -505 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 1.12% | 1.00% | 2.24% | 1.96% | 1.83% | 0.89% | 0.89% | -135 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 | 9.34% | 9.33% | 9.16% | 9.15% | 9.20% | 8.86% | 8.59% | 8.55% | -60 bps | |
| Net Worth / Assets | 9.34% | 9.33% | 9.16% | 9.15% | 9.20% | 8.86% | 8.59% | 8.55% | -60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.39% | 63.33% | 62.32% | 63.76% | 63.78% | 62.73% | 61.46% | 64.25% | +49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Marshalltown, IA · Charter 64234 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.04%
Rank 1,496 of 1,683
Net Interest Margin
2.80%
Rank 1,540 of 1,683
Efficiency Ratio
90.71%
Rank 1,404 of 1,682
Equity / Assets
8.55%
Rank 1,565 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.04% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,496 / 1,683 | ||
| Return on Equity | -0.41% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,501 / 1,681 | ||
| Net Interest Margin | 2.80% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,540 / 1,683 | ||
| Efficiency Ratio | 90.71% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,404 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.26% | 0.65% | 1.29% | Beats 38% | 1,040 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.55% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,565 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.55% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,565 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 64.25% | 52.61% | 69.38% | 83.50% | 41st pctl | 992 / 1,683 | ||
| Loans / Assets | 58.39% | 44.71% | 59.18% | 70.72% | 48th pctl | 868 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||