Sioux City, IA · Charter 64417
NCUA · 3 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
25
Asset Quality
10
Profitability
28
Liquidity
81
Efficiency
22
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.
Sioux City, IA · Charter 64417
NCUA · 3 branches
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 | 0.63% | 0.66% | 0.11% | 0.36% | 0.22% | 0.16% | 0.04% | -0.02% | -38 bps | |
| Return on Equity | 5.45% | 5.74% | 1.02% | 3.21% | 1.95% | 1.44% | 0.37% | -0.15% | -337 bps | |
| Net Interest Margin | 3.99% | 4.03% | 3.99% | 4.31% | 4.20% | 4.18% | 3.89% | 4.05% | -26 bps | |
| Efficiency Ratio | 81.86% | 80.98% | 91.47% | 86.60% | 89.22% | 90.34% | 89.51% | 88.45% | +185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 5.46% | 4.72% | 5.25% | 5.82% | 6.81% | 4.94% | 7.59% | +233 bps | |
| Loan Growth (YoY) | 4.75% | 0.21% | -2.14% | 2.93% | 8.42% | 9.97% | 21.89% | 22.43% | +1,950 bps | |
| Share Growth (YoY) | 8.08% | 5.34% | 4.63% | 5.31% | 7.71% | 7.47% | 5.05% | 8.62% | +331 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 2.20% | 1.22% | 3.84% | 4.85% | 3.27% | 2.51% | 2.65% | -119 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 | 11.61% | 11.56% | 10.98% | 11.32% | 11.24% | 10.92% | 10.55% | 10.44% | -88 bps | |
| Net Worth / Assets | 11.61% | 11.56% | 10.98% | 11.32% | 11.24% | 10.92% | 10.55% | 10.44% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.58% | 66.73% | 62.21% | 65.30% | 69.03% | 68.28% | 72.18% | 73.60% | +830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sioux City, IA · Charter 64417 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.02%
Rank 1,493 of 1,683
Net Interest Margin
4.05%
Rank 626 of 1,683
Efficiency Ratio
88.41%
Rank 1,319 of 1,682
Equity / Assets
10.44%
Rank 1,263 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.02% | 0.35% | 0.74% | 1.18% | Beats 11% | 1,493 / 1,683 | ||
| Return on Equity | -0.18% | 2.67% | 5.89% | 8.74% | Beats 11% | 1,495 / 1,681 | ||
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 63% | 626 / 1,683 | ||
| Efficiency Ratio | 88.41% | 68.91% | 78.20% | 86.93% | Beats 22% | 1,319 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.65% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,523 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.44% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,263 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.44% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,263 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.60% | 52.61% | 69.38% | 83.50% | 58th pctl | 707 / 1,683 | ||
| Loans / Assets | 65.51% | 44.71% | 59.18% | 70.72% | 64th pctl | 614 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||