Clinton, IA · Charter 65521
NCUA · 2 branches
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
78
Asset Quality
16
Profitability
91
Liquidity
0
Efficiency
71
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.
Clinton, IA · Charter 65521
NCUA · 2 branches
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 | 2.14% | 1.94% | 2.04% | 1.86% | 2.17% | 2.18% | 1.78% | 1.78% | -8 bps | |
| Return on Equity | 13.92% | 13.01% | 13.50% | 11.64% | 13.24% | 12.79% | 10.55% | 10.32% | -132 bps | |
| Net Interest Margin | 5.44% | 5.16% | 5.48% | 5.62% | 5.60% | 5.63% | 5.48% | 5.57% | -5 bps | |
| Efficiency Ratio | 67.02% | 67.97% | 69.86% | 66.64% | 66.02% | 64.00% | 70.47% | 70.72% | +408 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.63% | 9.65% | 6.20% | 6.66% | 7.98% | 0.54% | 2.66% | 5.04% | -162 bps | |
| Loan Growth (YoY) | -0.46% | -1.11% | 4.24% | 1.62% | 7.26% | 4.44% | 9.71% | 19.53% | +1,792 bps | |
| Share Growth (YoY) | -1.86% | 8.42% | 7.28% | 7.11% | 9.34% | 0.36% | 0.58% | 3.49% | -362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.18% | 1.57% | 1.62% | 1.80% | 1.13% | 1.86% | 2.10% | 1.83% | +2 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 | 15.36% | 14.90% | 15.13% | 16.00% | 16.36% | 17.04% | 16.89% | 17.24% | +124 bps | |
| Net Worth / Assets | 15.36% | 14.90% | 15.13% | 16.00% | 16.36% | 17.04% | 16.89% | 17.24% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.89% | 77.95% | 76.87% | 79.79% | 81.31% | 81.11% | 83.84% | 92.16% | +1,237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clinton, IA · Charter 65521 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.78%
Rank 136 of 1,683
Net Interest Margin
5.57%
Rank 59 of 1,683
Efficiency Ratio
70.66%
Rank 486 of 1,682
Equity / Assets
17.24%
Rank 378 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.78% | 0.35% | 0.74% | 1.18% | Beats 92% | 136 / 1,683 | ||
| Return on Equity | 10.31% | 2.67% | 5.89% | 8.74% | Beats 85% | 257 / 1,681 | ||
| Net Interest Margin | 5.57% | 3.31% | 3.82% | 4.32% | Beats 96% | 59 / 1,683 | ||
| Efficiency Ratio | 70.66% | 68.91% | 78.20% | 86.93% | Beats 71% | 486 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.83% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,416 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.24% | 10.44% | 12.89% | 16.53% | Beats 78% | 378 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.24% | 10.44% | 12.89% | 16.53% | Beats 78% | 378 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.16% | 52.61% | 69.38% | 83.50% | 90th pctl | 168 / 1,683 | ||
| Loans / Assets | 75.73% | 44.71% | 59.18% | 70.72% | 85th pctl | 260 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||