PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Waterloo Firemen's

Waterloo, IA · Charter 65193

NCUA · 1 branch

Q2 2026

$2.9MAssets
$2.3MLoans
$2.5MShares
$389KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.17%, up 20 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.29%, up 67 bps from a year ago.
  • Funding: loans stand at 91.01% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.17%+20 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+22 bps YoY

Efficiency Ratio (quarter, annualized)

46.04%-15 bps YoY

Net Worth / Assets

13.29%+67 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%2.01%1.02%2.06%2.17%+20 bps
Return on Equity15.59%15.11%7.96%15.70%16.32%+73 bps
Net Interest Margin3.79%3.90%2.91%4.07%4.01%+22 bps
Efficiency Ratio46.19%47.34%63.64%49.46%46.04%-15 bps
Growth
Asset Growth (YoY)3.56%4.12%-1.06%1.47%4.02%+46 bps
Loan Growth (YoY)2.36%3.80%-2.77%7.91%14.11%+1,175 bps
Share Growth (YoY)3.08%3.67%-1.12%0.32%3.22%+14 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.29%0.29%0.27%0.26%-4 bps
Capital
Risk-Based Capital12.62%13.27%12.81%13.11%13.29%+67 bps
Net Worth / Assets12.62%13.27%12.81%13.11%13.29%+67 bps
Liquidity & Funding
Loans / Shares82.32%87.24%85.45%90.95%91.01%+868 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps