Mason City, IA · Charter 65040
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
100
Asset Quality
5
Profitability
67
Liquidity
0
Efficiency
94
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.
Mason City, IA · Charter 65040
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 | 1.75% | 1.35% | 1.91% | 1.81% | 1.73% | 1.64% | 2.06% | 1.95% | +13 bps | |
| Return on Equity | 3.76% | 2.91% | 4.09% | 3.99% | 3.60% | 3.32% | 4.20% | 4.05% | +6 bps | |
| Net Interest Margin | 4.17% | 4.21% | 4.31% | 4.05% | 4.35% | 4.37% | 4.39% | 4.18% | +13 bps | |
| Efficiency Ratio | 59.44% | 68.76% | 55.91% | 55.37% | 60.42% | 62.70% | 53.27% | 53.52% | -185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.71% | -3.33% | -1.17% | 3.20% | 0.18% | -2.06% | -1.23% | -2.25% | -546 bps | |
| Loan Growth (YoY) | -0.12% | -6.22% | -16.77% | -23.06% | -23.20% | -19.86% | -15.46% | -3.79% | +1,927 bps | |
| Share Growth (YoY) | -14.55% | -9.09% | -4.98% | 3.67% | -2.29% | -6.63% | -5.60% | -7.23% | -1,090 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 2.36% | 1.91% | 0.00% | 0.91% | 0.88% | 4.11% | +220 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 | 1.15% | 1.25% | 1.39% | 1.48% | 1.50% | 1.56% | 1.64% | 1.54% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 46.70% | 46.51% | 46.63% | 45.43% | 48.02% | 49.19% | 48.92% | 48.08% | +266 bps | |
| Net Worth / Assets | 46.70% | 46.51% | 46.63% | 45.43% | 48.02% | 49.19% | 48.92% | 48.08% | +266 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 126.25% | 115.68% | 103.12% | 91.12% | 99.23% | 99.29% | 92.35% | 94.50% | +338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mason City, IA · Charter 65040 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.95%
Rank 87 of 1,683
Net Interest Margin
4.21%
Rank 505 of 1,683
Efficiency Ratio
53.68%
Rank 98 of 1,682
Equity / Assets
48.08%
Rank 8 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.95% | 0.35% | 0.74% | 1.18% | Beats 95% | 87 / 1,683 | ||
| Return on Equity | 4.05% | 2.67% | 5.89% | 8.74% | Beats 36% | 1,083 / 1,681 | ||
| Net Interest Margin | 4.21% | 3.31% | 3.82% | 4.32% | Beats 70% | 505 / 1,683 | ||
| Efficiency Ratio | 53.68% | 68.91% | 78.20% | 86.93% | Beats 94% | 98 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.12% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,606 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 48.08% | 10.44% | 12.89% | 16.53% | Beats 100% | 8 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 48.08% | 10.44% | 12.89% | 16.53% | Beats 100% | 8 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.52% | 52.61% | 69.38% | 83.50% | 93rd pctl | 120 / 1,683 | ||
| Loans / Assets | 48.90% | 44.71% | 59.18% | 70.72% | 32nd pctl | 1,148 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||