Ace
Mason City, IA · Charter 64323 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$7.5MAssets
$1.6MLoans
$5.9MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets (rank 187 of 1683).
- Widest gap: net interest margin trails 95% of credit unions under $1B in assets (rank 1593 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |