PackageTrendsPeer
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Cedar Falls Community

Cedar Falls, IA · Charter 65565

NCUA · 4 branches

Q2 2026

$251.7MAssets
$208.0MLoans
$209.6MShares
$40.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.20%, down 40 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.78% of loans (-3 bps YoY).
  • Capital: net worth / assets of 15.87%, down 58 bps from a year ago.
  • Funding: loans stand at 99.21% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%-40 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+15 bps YoY

Efficiency Ratio (YTD, annualized)

46.41%-442 bps YoY

Net Worth / Assets

15.87%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.52%1.50%1.37%1.20%-40 bps
Return on Equity9.71%9.30%9.15%8.49%7.55%-215 bps
Net Interest Margin3.15%3.15%3.15%3.28%3.30%+15 bps
Efficiency Ratio50.83%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 / Loans0.81%0.78%0.82%0.76%0.78%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.45%16.40%16.44%16.19%15.87%-58 bps
Net Worth / Assets16.45%16.40%16.44%16.19%15.87%-58 bps
Liquidity & Funding
Loans / Shares93.62%94.46%96.89%96.65%99.21%+559 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps