Des Moines, IA · Charter 64380
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
47
Asset Quality
49
Profitability
61
Liquidity
64
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.
Des Moines, IA · Charter 64380
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 | 0.70% | 0.70% | 0.36% | 0.72% | 0.85% | 0.94% | 1.19% | 1.11% | +39 bps | |
| Return on Equity | 5.73% | 5.65% | 2.97% | 5.84% | 6.97% | 7.35% | 9.34% | 8.79% | +296 bps | |
| Net Interest Margin | 3.33% | 3.36% | 3.39% | 3.52% | 3.50% | 3.61% | 3.68% | 3.60% | +7 bps | |
| Efficiency Ratio | 73.84% | 73.30% | 68.54% | 67.99% | 66.19% | 66.20% | 67.41% | 69.41% | +142 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | 1.43% | 3.44% | 3.36% | 7.42% | 4.36% | 3.17% | 6.69% | +333 bps | |
| Loan Growth (YoY) | 2.86% | 4.40% | 4.48% | 0.78% | -1.97% | -0.14% | 1.07% | 0.86% | +8 bps | |
| Share Growth (YoY) | -1.69% | 1.13% | 3.59% | 4.29% | 8.09% | 3.99% | 2.15% | 6.42% | +213 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.42% | 0.54% | 0.64% | 0.48% | 0.83% | 0.71% | 0.67% | +3 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 | 12.25% | 12.33% | 12.02% | 12.26% | 12.19% | 12.74% | 12.76% | 12.58% | +32 bps | |
| Net Worth / Assets | 12.25% | 12.33% | 12.02% | 12.26% | 12.19% | 12.74% | 12.76% | 12.58% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.89% | 64.49% | 61.30% | 61.61% | 58.84% | 61.93% | 60.65% | 58.39% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Des Moines, IA · Charter 64380 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.11%
Rank 495 of 1,683
Net Interest Margin
3.60%
Rank 1,042 of 1,683
Efficiency Ratio
69.39%
Rank 437 of 1,682
Equity / Assets
12.58%
Rank 894 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.35% | 0.74% | 1.18% | Beats 71% | 495 / 1,683 | ||
| Return on Equity | 8.79% | 2.67% | 5.89% | 8.74% | Beats 75% | 417 / 1,681 | ||
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,042 / 1,683 | ||
| Efficiency Ratio | 69.39% | 68.91% | 78.20% | 86.93% | Beats 74% | 437 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.26% | 0.65% | 1.29% | Beats 49% | 853 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.58% | 10.44% | 12.89% | 16.53% | Beats 47% | 894 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.58% | 10.44% | 12.89% | 16.53% | Beats 47% | 894 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.39% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,130 / 1,683 | ||
| Loans / Assets | 50.28% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,111 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||