Cedar Rapids, IA · Charter 64991
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
77
Asset Quality
100
Profitability
78
Liquidity
36
Efficiency
61
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.
Cedar Rapids, IA · Charter 64991
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 | 1.51% | 1.43% | 1.46% | 1.42% | 1.57% | 1.46% | 1.41% | 1.32% | -10 bps | |
| Return on Equity | 9.45% | 8.83% | 9.19% | 8.59% | 9.19% | 8.74% | 8.56% | 7.84% | -75 bps | |
| Net Interest Margin | 5.25% | 5.29% | 4.97% | 5.13% | 5.24% | 5.03% | 4.74% | 4.79% | -35 bps | |
| Efficiency Ratio | 66.88% | 69.11% | 71.72% | 72.10% | 70.08% | 71.72% | 72.58% | 74.68% | +258 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 0.70% | -0.39% | 0.25% | 1.36% | 5.61% | 4.42% | 5.68% | +544 bps | |
| Loan Growth (YoY) | -4.68% | -4.32% | -6.31% | -4.10% | -3.22% | -0.44% | -2.18% | -5.57% | -147 bps | |
| Share Growth (YoY) | -0.39% | -0.70% | -1.93% | -1.26% | -0.03% | 5.01% | 3.70% | 5.19% | +645 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 16.03% | 16.25% | 15.89% | 16.52% | 17.10% | 16.68% | 16.47% | 16.88% | +36 bps | |
| Net Worth / Assets | 16.03% | 16.25% | 15.89% | 16.52% | 17.10% | 16.68% | 16.47% | 16.88% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.23% | 57.29% | 52.12% | 55.35% | 57.34% | 54.32% | 49.16% | 49.69% | -566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cedar Rapids, IA · Charter 64991 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.32%
Rank 333 of 1,683
Net Interest Margin
4.78%
Rank 215 of 1,683
Efficiency Ratio
74.64%
Rank 662 of 1,682
Equity / Assets
16.88%
Rank 394 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.35% | 0.74% | 1.18% | Beats 80% | 333 / 1,683 | ||
| Return on Equity | 7.84% | 2.67% | 5.89% | 8.74% | Beats 68% | 536 / 1,681 | ||
| Net Interest Margin | 4.78% | 3.31% | 3.82% | 4.32% | Beats 87% | 215 / 1,683 | ||
| Efficiency Ratio | 74.64% | 68.91% | 78.20% | 86.93% | Beats 61% | 662 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.88% | 10.44% | 12.89% | 16.53% | Beats 77% | 394 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.88% | 10.44% | 12.89% | 16.53% | Beats 77% | 394 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.69% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,329 / 1,683 | ||
| Loans / Assets | 41.00% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,337 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||