Waterloo, IA · Charter 64418
NCUA · 32 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
62
Asset Quality
52
Profitability
71
Liquidity
0
Efficiency
96
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.
Waterloo, IA · Charter 64418
NCUA · 32 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 | 1.26% | 1.27% | 1.45% | 1.49% | 1.39% | 1.36% | 1.56% | 1.60% | +11 bps | |
| Return on Equity | 11.20% | 11.50% | 13.02% | 13.14% | 11.98% | 11.92% | 13.59% | 13.84% | +70 bps | |
| Net Interest Margin | 2.57% | 2.55% | 2.73% | 2.81% | 2.87% | 2.86% | 2.98% | 2.98% | +18 bps | |
| Efficiency Ratio | 58.41% | 59.28% | 61.20% | 56.90% | 55.76% | 56.96% | 56.56% | 54.03% | -286 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.41% | 6.86% | 8.14% | 10.31% | 8.48% | 8.13% | 8.81% | 10.35% | +4 bps | |
| Loan Growth (YoY) | 6.00% | 8.66% | 11.52% | 12.24% | 11.10% | 10.86% | 9.20% | 9.56% | -268 bps | |
| Share Growth (YoY) | 8.21% | 6.51% | 6.34% | 8.44% | 7.84% | 8.19% | 10.73% | 13.33% | +489 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.86% | 0.68% | 0.76% | 0.89% | 0.86% | 0.61% | 0.67% | -10 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 | 11.22% | 11.07% | 11.14% | 11.37% | 11.56% | 11.45% | 11.47% | 11.57% | +20 bps | |
| Net Worth / Assets | 11.22% | 11.07% | 11.14% | 11.37% | 11.56% | 11.45% | 11.47% | 11.57% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.21% | 104.19% | 103.87% | 106.28% | 107.36% | 106.75% | 102.44% | 102.74% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterloo, IA · Charter 64418 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 32 branches
Q2 2026
Return on Assets
1.60%
Rank 24 of 435
Net Interest Margin
2.98%
Rank 336 of 435
Efficiency Ratio
54.03%
Rank 19 of 435
Equity / Assets
11.57%
Rank 165 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.60% | 0.55% | 0.81% | 1.14% | Beats 94% | 24 / 435 | ||
| Return on Equity | 13.84% | 5.12% | 7.41% | 9.70% | Beats 97% | 14 / 435 | ||
| Net Interest Margin | 2.98% | 3.01% | 3.39% | 3.75% | Beats 23% | 336 / 435 | ||
| Efficiency Ratio | 54.03% | 65.25% | 71.39% | 77.86% | Beats 96% | 19 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.67% | 0.45% | 0.69% | 1.05% | Beats 52% | 210 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.57% | 9.81% | 10.84% | 12.63% | Beats 62% | 165 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.57% | 9.81% | 10.84% | 12.63% | Beats 62% | 165 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.74% | 78.33% | 88.38% | 95.61% | 91st pctl | 41 / 435 | ||
| Loans / Assets | 86.89% | 67.69% | 74.58% | 80.80% | 94th pctl | 28 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||