Dubuque, IA · Charter 64471
NCUA · 16 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
63
Asset Quality
46
Profitability
50
Liquidity
95
Efficiency
60
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.
Dubuque, IA · Charter 64471
NCUA · 16 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 | 0.35% | 0.33% | 0.38% | 0.53% | 0.68% | 0.71% | 0.87% | 0.96% | +43 bps | |
| Return on Equity | 3.02% | 2.96% | 3.40% | 4.68% | 5.74% | 6.14% | 7.65% | 8.27% | +359 bps | |
| Net Interest Margin | 2.38% | 2.38% | 2.59% | 2.74% | 2.88% | 2.85% | 2.92% | 3.01% | +27 bps | |
| Efficiency Ratio | 84.52% | 84.55% | 82.74% | 78.35% | 75.42% | 73.97% | 70.08% | 68.63% | -972 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.51% | 9.86% | 8.51% | 7.71% | 1.98% | 2.52% | 4.51% | 5.45% | -226 bps | |
| Loan Growth (YoY) | 2.29% | 2.41% | 3.68% | 4.04% | 3.54% | 2.15% | 3.10% | 7.83% | +379 bps | |
| Share Growth (YoY) | 11.29% | 11.76% | 8.74% | 8.60% | 1.26% | 1.45% | 3.65% | 5.02% | -357 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.33% | 0.99% | 1.03% | 0.97% | 0.95% | 0.71% | 0.74% | -29 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 | 11.42% | 11.19% | 11.11% | 11.34% | 11.76% | 11.59% | 11.42% | 11.64% | +30 bps | |
| Net Worth / Assets | 11.42% | 11.19% | 11.11% | 11.34% | 11.76% | 11.59% | 11.42% | 11.64% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.81% | 85.18% | 84.51% | 86.77% | 88.76% | 85.77% | 84.07% | 89.09% | +232 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dubuque, IA · Charter 64471 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.96%
Rank 153 of 435
Net Interest Margin
3.01%
Rank 328 of 435
Efficiency Ratio
68.63%
Rank 173 of 435
Equity / Assets
11.64%
Rank 163 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.96% | 0.55% | 0.81% | 1.14% | Beats 65% | 153 / 435 | ||
| Return on Equity | 8.27% | 5.12% | 7.41% | 9.70% | Beats 60% | 173 / 435 | ||
| Net Interest Margin | 3.01% | 3.01% | 3.39% | 3.75% | Beats 25% | 328 / 435 | ||
| Efficiency Ratio | 68.63% | 65.25% | 71.39% | 77.86% | Beats 60% | 173 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.74% | 0.45% | 0.69% | 1.05% | Beats 46% | 237 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.64% | 9.81% | 10.84% | 12.63% | Beats 63% | 163 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.64% | 9.81% | 10.84% | 12.63% | Beats 63% | 163 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.09% | 78.33% | 88.38% | 95.61% | 53rd pctl | 205 / 435 | ||
| Loans / Assets | 78.38% | 67.69% | 74.58% | 80.80% | 63rd pctl | 161 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||