Polk County
Des Moines, IA · Charter 65039 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.5MAssets
$4.1MLoans
$4.2MShares
$1.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions under $1B in assets (rank 17 of 1683).
- Widest gap: nonperforming loans / loans trails 11% of credit unions under $1B in assets (rank 181 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |