Cedar Falls, IA · Charter 65565
NCUA · 4 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
72
Asset Quality
44
Profitability
55
Liquidity
0
Efficiency
97
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.
Cedar Falls, IA · Charter 65565
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.60% | 1.52% | 1.50% | 1.37% | 1.20% | -40 bps | |
| Return on Equity | 9.71% | 9.30% | 9.15% | 8.49% | 7.55% | -215 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.15% | 3.28% | 3.30% | +15 bps | |
| Efficiency Ratio | 50.83% | 51.42% | 50.51% | 49.91% | 46.41% | -442 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.90% | 11.85% | 10.46% | 11.31% | 12.81% | +291 bps | |
| Loan Growth (YoY) | 13.50% | 12.66% | 13.08% | 13.68% | 20.17% | +667 bps | |
| Share Growth (YoY) | 9.87% | 12.12% | 10.47% | 11.26% | 13.39% | +352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.78% | 0.82% | 0.76% | 0.78% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.45% | 16.40% | 16.44% | 16.19% | 15.87% | -58 bps | |
| Net Worth / Assets | 16.45% | 16.40% | 16.44% | 16.19% | 15.87% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.62% | 94.46% | 96.89% | 96.65% | 99.21% | +559 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cedar Falls, IA · Charter 65565 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
1.20%
Rank 402 of 1,683
Net Interest Margin
3.30%
Rank 1,275 of 1,683
Efficiency Ratio
46.41%
Rank 44 of 1,682
Equity / Assets
15.87%
Rank 465 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 402 / 1,683 | |
| Return on Equity | 7.55% | 2.67% | 5.89% | 8.74% | Beats 66% | 577 / 1,681 | |
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,275 / 1,683 | |
| Efficiency Ratio | 46.41% | 68.91% | 78.20% | 86.93% | Beats 97% | 44 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.26% | 0.65% | 1.29% | Beats 44% | 945 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.87% | 10.44% | 12.89% | 16.53% | Beats 72% | 465 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.87% | 10.44% | 12.89% | 16.53% | Beats 72% | 465 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 99.21% | 52.61% | 69.38% | 83.50% | 96th pctl | 64 / 1,683 | |
| Loans / Assets | 82.63% | 44.71% | 59.18% | 70.72% | 95th pctl | 86 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||