Cedar Rapids, IA · Charter 65062
NCUA · 3 branches
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
97
Asset Quality
21
Profitability
49
Liquidity
72
Efficiency
91
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 65062
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 0.97% | 0.10% | 1.69% | 1.22% | -12 bps | |
| Return on Equity | 4.00% | 3.04% | 0.35% | 5.76% | 4.10% | +11 bps | |
| Net Interest Margin | 3.80% | 3.53% | 2.88% | 4.64% | 3.53% | -26 bps | |
| Efficiency Ratio | 64.93% | 72.69% | 96.41% | 63.72% | 65.73% | +80 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.78% | 1.08% | 8.02% | 11.25% | 10.76% | +798 bps | |
| Loan Growth (YoY) | 5.31% | -8.41% | -17.35% | -15.63% | -25.22% | -3,053 bps | |
| Share Growth (YoY) | 4.96% | 2.56% | 11.81% | 16.82% | 16.75% | +1,179 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.58% | 0.00% | 0.00% | 1.41% | +141 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.06% | 2.25% | 2.60% | 2.48% | 2.76% | +70 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.41% | 31.81% | 29.56% | 29.39% | 29.62% | -379 bps | |
| Net Worth / Assets | 33.41% | 31.81% | 29.56% | 29.39% | 29.62% | -379 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 118.35% | 100.21% | 80.58% | 83.30% | 75.80% | -4,255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cedar Rapids, IA · Charter 65062 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.08%
Rank 515 of 1,683
Net Interest Margin
3.76%
Rank 892 of 1,683
Efficiency Ratio
57.14%
Rank 148 of 1,682
Equity / Assets
29.57%
Rank 54 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.35% | 0.74% | 1.18% | Beats 69% | 515 / 1,683 | |
| Return on Equity | 3.64% | 2.67% | 5.89% | 8.74% | Beats 32% | 1,137 / 1,681 | |
| Net Interest Margin | 3.76% | 3.31% | 3.82% | 4.32% | Beats 47% | 892 / 1,683 | |
| Efficiency Ratio | 57.14% | 68.91% | 78.20% | 86.93% | Beats 91% | 148 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.52% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,330 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 29.57% | 10.44% | 12.89% | 16.53% | Beats 97% | 54 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 29.57% | 10.44% | 12.89% | 16.53% | Beats 97% | 54 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.77% | 52.61% | 69.38% | 83.50% | 61st pctl | 652 / 1,683 | |
| Loans / Assets | 52.96% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,026 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||