Serve
Des Moines, IA · Charter 65150 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$101.3MAssets
$71.7MLoans
$82.2MShares
$18.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 84% of credit unions under $1B in assets (rank 275 of 1683).
- Widest gap: nonperforming loans / loans trails 57% of credit unions under $1B in assets (rank 967 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.44%
Rank 275 of 1,683
Net Interest Margin
4.02%
Rank 654 of 1,683
Efficiency Ratio
67.14%
Rank 365 of 1,682
Equity / Assets
18.08%
Rank 325 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.35% | 0.74% | 1.18% | Beats 84% | 275 / 1,683 | | |
| Return on Equity | 7.96% | 2.67% | 5.89% | 8.74% | Beats 69% | 520 / 1,681 | | |
| Net Interest Margin | 4.02% | 3.31% | 3.82% | 4.32% | Beats 61% | 654 / 1,683 | | |
| Efficiency Ratio | 67.14% | 68.91% | 78.20% | 86.93% | Beats 78% | 365 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.26% | 0.65% | 1.29% | Beats 43% | 967 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.08% | 10.44% | 12.89% | 16.53% | Beats 81% | 325 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.08% | 10.44% | 12.89% | 16.53% | Beats 81% | 325 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.16% | 52.61% | 69.38% | 83.50% | 81st pctl | 316 / 1,683 | | |
| Loans / Assets | 70.72% | 44.71% | 59.18% | 70.72% | 75th pctl | 421 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |