Des Moines, IA · Charter 64271
NCUA · 5 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
7
Asset Quality
30
Profitability
26
Liquidity
0
Efficiency
28
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.
Des Moines, IA · Charter 64271
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.55% | 0.53% | 0.16% | 0.35% | -12 bps | |
| Return on Equity | 5.27% | 6.19% | 6.16% | 1.89% | 4.13% | -114 bps | |
| Net Interest Margin | 3.03% | 3.05% | 2.92% | 2.94% | 3.11% | +9 bps | |
| Efficiency Ratio | 83.47% | 82.76% | 81.53% | 88.58% | 85.74% | +227 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.06% | 7.92% | 10.53% | 11.24% | 11.18% | +612 bps | |
| Loan Growth (YoY) | 5.98% | 6.69% | 8.07% | 11.20% | 10.80% | +482 bps | |
| Share Growth (YoY) | 4.24% | 8.16% | 11.73% | 12.52% | 14.53% | +1,029 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 1.14% | 1.13% | 0.80% | 1.09% | -49 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.02% | 8.93% | 8.61% | 8.22% | 8.59% | -42 bps | |
| Net Worth / Assets | 9.02% | 8.93% | 8.61% | 8.22% | 8.59% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.68% | 100.22% | 96.61% | 92.95% | 97.40% | -327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Des Moines, IA · Charter 64271 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.35%
Rank 1,259 of 1,683
Net Interest Margin
3.11%
Rank 1,385 of 1,683
Efficiency Ratio
85.74%
Rank 1,210 of 1,682
Equity / Assets
8.59%
Rank 1,561 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.35% | 0.74% | 1.18% | Beats 25% | 1,259 / 1,683 | |
| Return on Equity | 4.13% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,073 / 1,681 | |
| Net Interest Margin | 3.11% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,385 / 1,683 | |
| Efficiency Ratio | 85.74% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,210 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.09% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,177 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.59% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,561 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.59% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,561 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.40% | 52.61% | 69.38% | 83.50% | 95th pctl | 85 / 1,683 | |
| Loans / Assets | 88.13% | 44.71% | 59.18% | 70.72% | 99th pctl | 14 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||