Ottumwa, IA · Charter 64986
NCUA · 1 branch
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
72
Asset Quality
89
Profitability
69
Liquidity
59
Efficiency
76
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.
Ottumwa, IA · Charter 64986
NCUA · 1 branch
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 | 1.09% | 1.16% | 1.06% | 1.28% | 1.31% | 1.37% | 1.23% | 1.41% | +13 bps | |
| Return on Equity | 7.69% | 8.20% | 7.57% | 8.82% | 8.65% | 8.69% | 7.95% | 8.92% | +10 bps | |
| Net Interest Margin | 3.39% | 3.40% | 3.36% | 3.51% | 3.66% | 3.80% | 3.73% | 3.79% | +28 bps | |
| Efficiency Ratio | 70.42% | 68.86% | 71.34% | 68.37% | 67.67% | 68.23% | 72.22% | 68.57% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.11% | 2.34% | 3.94% | 4.97% | 2.55% | -1.64% | -0.43% | 0.68% | -429 bps | |
| Loan Growth (YoY) | -3.52% | -4.00% | -2.63% | -0.12% | 0.02% | -0.34% | 0.15% | -3.19% | -307 bps | |
| Share Growth (YoY) | -0.50% | 2.03% | 3.92% | 5.13% | 1.67% | -3.42% | -2.12% | -0.79% | -593 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.23% | 0.26% | 0.40% | 0.44% | 0.14% | 0.16% | 0.06% | -34 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 | 14.15% | 14.18% | 14.02% | 14.55% | 15.14% | 15.79% | 15.44% | 15.83% | +128 bps | |
| Net Worth / Assets | 14.15% | 14.18% | 14.02% | 14.55% | 15.14% | 15.79% | 15.44% | 15.83% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.29% | 80.89% | 78.42% | 80.60% | 82.93% | 83.47% | 80.23% | 78.65% | -195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ottumwa, IA · Charter 64986 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.41%
Rank 288 of 1,683
Net Interest Margin
3.79%
Rank 870 of 1,683
Efficiency Ratio
68.56%
Rank 410 of 1,682
Equity / Assets
15.83%
Rank 467 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 0.35% | 0.74% | 1.18% | Beats 83% | 288 / 1,683 | ||
| Return on Equity | 8.90% | 2.67% | 5.89% | 8.74% | Beats 76% | 405 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 48% | 870 / 1,683 | ||
| Efficiency Ratio | 68.56% | 68.91% | 78.20% | 86.93% | Beats 76% | 410 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 192 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.83% | 10.44% | 12.89% | 16.53% | Beats 72% | 467 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.83% | 10.44% | 12.89% | 16.53% | Beats 72% | 467 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 78.65% | 52.61% | 69.38% | 83.50% | 67th pctl | 559 / 1,683 | ||
| Loans / Assets | 65.88% | 44.71% | 59.18% | 70.72% | 64th pctl | 606 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||