Mount Pleasant, IA · Charter 64878
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
5
Asset Quality
44
Profitability
42
Liquidity
61
Efficiency
26
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.
Mount Pleasant, IA · Charter 64878
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 | 0.49% | 0.40% | 0.36% | 0.54% | 0.54% | 0.54% | 0.53% | 0.51% | -3 bps | |
| Return on Equity | 5.93% | 4.91% | 4.47% | 6.47% | 6.41% | 6.46% | 6.47% | 6.16% | -31 bps | |
| Net Interest Margin | 3.20% | 3.15% | 3.27% | 3.50% | 3.42% | 3.42% | 3.56% | 3.61% | +11 bps | |
| Efficiency Ratio | 88.72% | 89.81% | 85.51% | 82.53% | 83.34% | 83.69% | 84.05% | 86.64% | +411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | 3.51% | 6.05% | 0.91% | 3.26% | 4.51% | 4.93% | 7.69% | +678 bps | |
| Loan Growth (YoY) | 2.27% | 0.94% | -1.82% | 0.68% | 4.13% | 5.17% | 5.51% | 2.13% | +146 bps | |
| Share Growth (YoY) | 8.48% | 3.82% | 6.65% | 0.97% | 2.38% | 2.71% | 4.13% | 6.94% | +597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.20% | 0.78% | 0.95% | 0.83% | 0.68% | 0.72% | 0.79% | -16 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 | 8.23% | 8.12% | 7.97% | 8.42% | 8.42% | 8.31% | 8.16% | 8.35% | -7 bps | |
| Net Worth / Assets | 8.23% | 8.12% | 7.97% | 8.42% | 8.42% | 8.31% | 8.16% | 8.35% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.50% | 79.28% | 77.95% | 81.99% | 82.90% | 81.17% | 78.98% | 78.31% | -369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mount Pleasant, IA · Charter 64878 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.51%
Rank 1,120 of 1,683
Net Interest Margin
3.62%
Rank 1,023 of 1,683
Efficiency Ratio
86.58%
Rank 1,247 of 1,682
Equity / Assets
8.35%
Rank 1,594 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,120 / 1,683 | ||
| Return on Equity | 6.16% | 2.67% | 5.89% | 8.74% | Beats 53% | 791 / 1,681 | ||
| Net Interest Margin | 3.62% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,023 / 1,683 | ||
| Efficiency Ratio | 86.58% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,247 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.79% | 0.26% | 0.65% | 1.29% | Beats 44% | 948 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.35% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,594 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.35% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,594 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.31% | 52.61% | 69.38% | 83.50% | 66th pctl | 567 / 1,683 | ||
| Loans / Assets | 71.02% | 44.71% | 59.18% | 70.72% | 76th pctl | 405 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||