St. Ludmila S
Cedar Rapids, IA · Charter 65062 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$372KAssets
$197KLoans
$260KShares
$110KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets (rank 54 of 1683).
- Widest gap: nonperforming loans / loans trails 79% of credit unions under $1B in assets (rank 1330 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |