Mason City, IA · Charter 64323
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
89
Asset Quality
85
Profitability
31
Liquidity
0
Efficiency
74
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.
Mason City, IA · Charter 64323
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 | 1.36% | 1.26% | 0.89% | 0.94% | 1.08% | 1.16% | 0.45% | 0.80% | -14 bps | |
| Return on Equity | 6.78% | 6.37% | 4.71% | 4.83% | 5.45% | 5.73% | 2.20% | 3.84% | -98 bps | |
| Net Interest Margin | 2.91% | 2.82% | 2.63% | 2.63% | 2.69% | 2.84% | 2.51% | 2.63% | -1 bps | |
| Efficiency Ratio | 54.42% | 56.31% | 66.22% | 64.26% | 59.98% | 58.99% | 82.18% | 69.39% | +513 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.38% | 3.85% | 7.23% | 5.60% | 7.53% | 2.95% | -2.21% | -1.53% | -713 bps | |
| Loan Growth (YoY) | -8.86% | -20.61% | -23.96% | -23.83% | -22.22% | -15.61% | -8.74% | -6.32% | +1,751 bps | |
| Share Growth (YoY) | -3.18% | 3.16% | 7.53% | 5.60% | 8.01% | 2.19% | -3.97% | -3.24% | -884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.72% | 0.12% | +12 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 | 1.91% | 2.09% | 2.23% | 2.32% | 2.46% | 2.48% | 2.44% | 2.48% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.10% | 19.74% | 18.94% | 19.54% | 19.75% | 20.34% | 20.41% | 20.94% | +140 bps | |
| Net Worth / Assets | 20.10% | 19.74% | 18.94% | 19.54% | 19.75% | 20.34% | 20.41% | 20.94% | +140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.24% | 32.83% | 28.92% | 28.50% | 26.82% | 27.11% | 27.48% | 27.59% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mason City, IA · Charter 64323 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.80%
Rank 781 of 1,683
Net Interest Margin
2.63%
Rank 1,593 of 1,683
Efficiency Ratio
69.70%
Rank 444 of 1,682
Equity / Assets
20.93%
Rank 187 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.80% | 0.35% | 0.74% | 1.18% | Beats 54% | 781 / 1,683 | ||
| Return on Equity | 3.81% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,116 / 1,681 | ||
| Net Interest Margin | 2.63% | 3.31% | 3.82% | 4.32% | Beats 5% | 1,593 / 1,683 | ||
| Efficiency Ratio | 69.70% | 68.91% | 78.20% | 86.93% | Beats 74% | 444 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.26% | 0.65% | 1.29% | Beats 85% | 256 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.93% | 10.44% | 12.89% | 16.53% | Beats 89% | 187 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.93% | 10.44% | 12.89% | 16.53% | Beats 89% | 187 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 27.59% | 52.61% | 69.38% | 83.50% | 4th pctl | 1,613 / 1,683 | ||
| Loans / Assets | 21.80% | 44.71% | 59.18% | 70.72% | 3rd pctl | 1,625 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||