Council Bluffs, IA · Charter 64282
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 in the Omaha, NE-IA area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
100
Profitability
57
Liquidity
100
Efficiency
67
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.
Council Bluffs, IA · Charter 64282
NCUA · 1 branch
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 | 1.44% | 1.41% | 1.26% | 0.97% | 1.19% | -24 bps | |
| Return on Equity | 7.01% | 6.75% | 5.89% | 4.62% | 5.60% | -142 bps | |
| Net Interest Margin | 3.91% | 3.97% | 3.98% | 3.76% | 3.77% | -14 bps | |
| Efficiency Ratio | 69.03% | 70.21% | 73.42% | 78.08% | 73.56% | +453 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.38% | -0.02% | -2.72% | 1.71% | 1.36% | +97 bps | |
| Loan Growth (YoY) | -2.46% | -2.62% | -2.41% | 1.65% | 4.37% | +683 bps | |
| Share Growth (YoY) | -1.21% | -1.59% | -4.86% | 0.62% | 0.27% | +149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.00% | 0.00% | 0.00% | 0.00% | -47 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 | 20.51% | 20.85% | 21.38% | 21.10% | 21.35% | +83 bps | |
| Net Worth / Assets | 20.51% | 20.85% | 21.38% | 21.10% | 21.35% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.23% | 57.96% | 60.43% | 60.60% | 60.61% | +238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Council Bluffs, IA · Charter 64282 · Peer group: credit unions under $1B in assets in the Omaha, NE-IA area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
1.20%
Rank 5 of 18
Net Interest Margin
3.78%
Rank 9 of 18
Efficiency Ratio
73.64%
Rank 7 of 18
Equity / Assets
21.35%
Rank 3 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | -0.04% | 0.96% | 1.20% | Beats 72% | 5 / 18 | |
| Return on Equity | 5.60% | -0.31% | 5.60% | 9.86% | Beats 50% | 9 / 18 | |
| Net Interest Margin | 3.78% | 3.29% | 3.78% | 4.10% | Beats 50% | 9 / 18 | |
| Efficiency Ratio | 73.64% | 69.73% | 80.05% | 99.73% | Beats 67% | 7 / 18 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.04% | 0.25% | 1.23% | Beats 100% | 3 / 18 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.35% | 9.54% | 14.01% | 17.54% | Beats 83% | 3 / 18 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.35% | 9.54% | 14.01% | 17.54% | Beats 83% | 3 / 18 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.61% | 37.80% | 60.87% | 83.48% | 44th pctl | 10 / 18 | |
| Loans / Assets | 47.55% | 34.93% | 54.47% | 72.37% | 39th pctl | 11 / 18 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||