5 Star Community
Mount Pleasant, IA · Charter 64878 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$54.5MAssets
$38.7MLoans
$49.4MShares
$4.5MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 53% of credit unions under $1B in assets (rank 791 of 1681).
- Widest gap: equity / assets trails 95% of credit unions under $1B in assets (rank 1594 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |