Cedar Falls Community
Cedar Falls, IA · Charter 65565 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$251.7MAssets
$208.0MLoans
$209.6MShares
$40.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 97% of credit unions under $1B in assets (rank 44 of 1682).
- Widest gap: net interest margin trails 76% of credit unions under $1B in assets (rank 1275 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |