Centerville, IA · Charter 65242
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
91
Asset Quality
90
Profitability
56
Liquidity
88
Efficiency
46
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.
Centerville, IA · Charter 65242
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 | 1.26% | 1.32% | 1.10% | 1.14% | 1.22% | 1.16% | 0.97% | 1.00% | -14 bps | |
| Return on Equity | 6.04% | 6.02% | 5.01% | 5.34% | 5.51% | 5.12% | 4.47% | 4.52% | -82 bps | |
| Net Interest Margin | 3.55% | 3.71% | 3.86% | 3.84% | 4.01% | 4.15% | 3.97% | 4.06% | +22 bps | |
| Efficiency Ratio | 73.93% | 73.71% | 77.20% | 76.51% | 75.90% | 77.72% | 79.90% | 79.81% | +330 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | -3.91% | -2.54% | -2.80% | -1.48% | -0.66% | 3.13% | 0.06% | +286 bps | |
| Loan Growth (YoY) | -0.35% | -0.63% | -2.18% | -3.36% | -8.27% | -12.44% | -12.35% | -11.34% | -798 bps | |
| Share Growth (YoY) | -6.06% | -6.50% | -4.70% | -4.33% | -2.74% | -1.57% | 3.32% | -1.29% | +304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.00% | 1.07% | 1.94% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | +5 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.87% | 21.84% | 21.88% | 21.32% | 22.05% | 22.56% | 21.74% | 22.16% | +84 bps | |
| Net Worth / Assets | 20.87% | 21.84% | 21.88% | 21.32% | 22.05% | 22.56% | 21.74% | 22.16% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.85% | 81.56% | 77.05% | 73.14% | 73.43% | 72.55% | 65.36% | 65.69% | -745 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Centerville, IA · Charter 65242 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.00%
Rank 595 of 1,683
Net Interest Margin
4.08%
Rank 608 of 1,683
Efficiency Ratio
79.48%
Rank 907 of 1,682
Equity / Assets
22.15%
Rank 157 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.35% | 0.74% | 1.18% | Beats 65% | 595 / 1,683 | ||
| Return on Equity | 4.51% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,020 / 1,681 | ||
| Net Interest Margin | 4.08% | 3.31% | 3.82% | 4.32% | Beats 64% | 608 / 1,683 | ||
| Efficiency Ratio | 79.48% | 68.91% | 78.20% | 86.93% | Beats 46% | 907 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.26% | 0.65% | 1.29% | Beats 90% | 175 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 22.15% | 10.44% | 12.89% | 16.53% | Beats 91% | 157 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 22.15% | 10.44% | 12.89% | 16.53% | Beats 91% | 157 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.69% | 52.61% | 69.38% | 83.50% | 43rd pctl | 961 / 1,683 | ||
| Loans / Assets | 50.93% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,091 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||