Des Moines, IA · Charter 65039
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
93
Asset Quality
89
Profitability
95
Liquidity
0
Efficiency
92
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.
Des Moines, IA · Charter 65039
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 | 2.03% | 0.92% | 2.88% | 1.93% | 1.75% | 0.54% | 3.60% | 2.69% | +76 bps | |
| Return on Equity | 8.94% | 4.17% | 12.68% | 8.36% | 7.69% | 2.44% | 15.49% | 11.39% | +303 bps | |
| Net Interest Margin | 5.45% | 5.24% | 6.28% | 5.84% | 5.73% | 5.56% | 6.54% | 5.89% | +6 bps | |
| Efficiency Ratio | 65.05% | 78.67% | 55.79% | 65.16% | 65.03% | 74.80% | 47.93% | 56.44% | -872 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.51% | 6.85% | 1.31% | -0.11% | 2.70% | 1.22% | 0.66% | 1.62% | +173 bps | |
| Loan Growth (YoY) | -14.89% | -10.24% | -2.52% | 5.89% | 9.71% | 5.39% | 5.47% | 2.81% | -308 bps | |
| Share Growth (YoY) | -4.42% | 7.58% | 0.47% | -1.28% | 2.51% | 0.82% | -0.23% | 0.94% | +221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.13% | 1.15% | 0.15% | 0.00% | 1.02% | 0.00% | 0.04% | -11 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 | 1.46% | 1.83% | 1.80% | 0.89% | 0.99% | 2.06% | 1.92% | 1.87% | +99 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.65% | 22.05% | 22.67% | 23.08% | 22.78% | 22.33% | 23.26% | 23.65% | +57 bps | |
| Net Worth / Assets | 22.65% | 22.05% | 22.67% | 23.08% | 22.78% | 22.33% | 23.26% | 23.65% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.81% | 90.16% | 91.76% | 96.44% | 96.12% | 94.25% | 97.00% | 98.23% | +179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Des Moines, IA · Charter 65039 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.68%
Rank 17 of 1,683
Net Interest Margin
5.91%
Rank 45 of 1,683
Efficiency Ratio
56.14%
Rank 130 of 1,682
Equity / Assets
23.65%
Rank 120 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.68% | 0.35% | 0.74% | 1.18% | Beats 99% | 17 / 1,683 | ||
| Return on Equity | 11.35% | 2.67% | 5.89% | 8.74% | Beats 89% | 179 / 1,681 | ||
| Net Interest Margin | 5.91% | 3.31% | 3.82% | 4.32% | Beats 97% | 45 / 1,683 | ||
| Efficiency Ratio | 56.14% | 68.91% | 78.20% | 86.93% | Beats 92% | 130 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 181 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.65% | 10.44% | 12.89% | 16.53% | Beats 93% | 120 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.65% | 10.44% | 12.89% | 16.53% | Beats 93% | 120 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.24% | 52.61% | 69.38% | 83.50% | 96th pctl | 74 / 1,683 | ||
| Loans / Assets | 74.99% | 44.71% | 59.18% | 70.72% | 83rd pctl | 283 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||