Burlington, IA · Charter 65239
NCUA · 1 branch
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
71
Asset Quality
39
Profitability
70
Liquidity
0
Efficiency
64
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.
Burlington, IA · Charter 65239
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.88% | 0.75% | 1.22% | 1.21% | 1.21% | 1.12% | 1.13% | -9 bps | |
| Return on Equity | 7.95% | 6.17% | 5.28% | 8.44% | 8.13% | 7.93% | 7.36% | 7.26% | -118 bps | |
| Net Interest Margin | 3.76% | 3.84% | 3.76% | 4.20% | 4.24% | 4.28% | 4.35% | 4.25% | +5 bps | |
| Efficiency Ratio | 67.40% | 70.97% | 74.02% | 65.01% | 66.04% | 65.78% | 74.65% | 73.67% | +866 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.27% | -6.46% | -4.14% | -4.83% | -0.02% | 2.91% | 3.04% | 1.52% | +635 bps | |
| Loan Growth (YoY) | -7.48% | -8.09% | -6.54% | -7.74% | 1.61% | 5.92% | 1.85% | 5.88% | +1,362 bps | |
| Share Growth (YoY) | -4.87% | -8.49% | -5.79% | -6.78% | -1.54% | 1.57% | 1.75% | 0.22% | +700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.55% | 0.32% | 0.15% | 1.37% | 1.22% | 0.78% | 0.87% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 1.22% | 1.20% | 1.25% | 1.18% | 1.19% | 1.47% | 1.46% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.59% | 14.21% | 14.11% | 14.49% | 14.85% | 15.29% | 15.17% | 15.57% | +108 bps | |
| Net Worth / Assets | 13.59% | 14.21% | 14.11% | 14.49% | 14.85% | 15.29% | 15.17% | 15.57% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.30% | 90.52% | 89.45% | 87.54% | 94.22% | 94.40% | 89.54% | 92.49% | +495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Burlington, IA · Charter 65239 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.15%
Rank 450 of 1,683
Net Interest Margin
4.26%
Rank 462 of 1,683
Efficiency Ratio
73.27%
Rank 606 of 1,682
Equity / Assets
15.57%
Rank 490 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 73% | 450 / 1,683 | ||
| Return on Equity | 7.39% | 2.67% | 5.89% | 8.74% | Beats 64% | 598 / 1,681 | ||
| Net Interest Margin | 4.26% | 3.31% | 3.82% | 4.32% | Beats 73% | 462 / 1,683 | ||
| Efficiency Ratio | 73.27% | 68.91% | 78.20% | 86.93% | Beats 64% | 606 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,023 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.57% | 10.44% | 12.89% | 16.53% | Beats 71% | 490 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.57% | 10.44% | 12.89% | 16.53% | Beats 71% | 490 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.48% | 52.61% | 69.38% | 83.50% | 90th pctl | 161 / 1,683 | ||
| Loans / Assets | 77.76% | 44.71% | 59.18% | 70.72% | 88th pctl | 197 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||