Community Choice
Johnston, IA · Charter 65078 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 11 branches
Q2 2026
$922.9MAssets
$743.9MLoans
$783.5MShares
$117.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 91% of credit unions under $1B in assets (rank 143 of 1681).
- Widest gap: equity / assets trails 51% of credit unions under $1B in assets (rank 866 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.53%
Rank 234 of 1,683
Net Interest Margin
4.25%
Rank 464 of 1,683
Efficiency Ratio
73.06%
Rank 594 of 1,682
Equity / Assets
12.74%
Rank 866 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.53% | 0.35% | 0.74% | 1.18% | Beats 86% | 234 / 1,683 | |
| Return on Equity | 12.00% | 2.67% | 5.89% | 8.74% | Beats 91% | 143 / 1,681 | |
| Net Interest Margin | 4.25% | 3.31% | 3.82% | 4.32% | Beats 72% | 464 / 1,683 | |
| Efficiency Ratio | 73.06% | 68.91% | 78.20% | 86.93% | Beats 65% | 594 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.57% | 0.26% | 0.65% | 1.29% | Beats 55% | 762 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.74% | 10.44% | 12.89% | 16.53% | Beats 49% | 866 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.74% | 10.44% | 12.89% | 16.53% | Beats 49% | 866 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 94.94% | 52.61% | 69.38% | 83.50% | 93rd pctl | 116 / 1,683 | |
| Loans / Assets | 80.60% | 44.71% | 59.18% | 70.72% | 93rd pctl | 122 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |