Cedar Rapids, IA · Charter 65606
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
1
Asset Quality
8
Profitability
31
Liquidity
18
Efficiency
4
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 Rapids, IA · Charter 65606
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 | -0.36% | -0.25% | 0.43% | 0.20% | 0.02% | -0.26% | -0.40% | -0.51% | -71 bps | |
| Return on Equity | -6.06% | -4.06% | 7.00% | 3.04% | 0.32% | -4.22% | -6.75% | -8.76% | -1,181 bps | |
| Net Interest Margin | 3.81% | 4.18% | 4.98% | 5.23% | 5.26% | 5.10% | 4.49% | 4.59% | -64 bps | |
| Efficiency Ratio | 108.53% | 105.53% | 91.77% | 93.78% | 95.90% | 97.15% | 107.38% | 110.01% | +1,623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | -4.35% | -6.17% | -10.60% | -9.45% | -2.98% | -4.22% | 0.01% | +1,061 bps | |
| Loan Growth (YoY) | -6.82% | -11.25% | -5.86% | -5.30% | -5.82% | -0.99% | -4.02% | -2.89% | +241 bps | |
| Share Growth (YoY) | -5.06% | -4.35% | -6.51% | -11.41% | -10.39% | -3.04% | -4.07% | 0.52% | +1,194 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.40% | 3.60% | 3.21% | 2.54% | 1.91% | 1.74% | 3.04% | -18 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 | 0.85% | 0.88% | 0.12% | 0.35% | 0.48% | 0.48% | 0.75% | 0.76% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.87% | 6.15% | 6.15% | 6.48% | 6.53% | 6.08% | 5.96% | 5.87% | -62 bps | |
| Net Worth / Assets | 5.87% | 6.15% | 6.15% | 6.48% | 6.53% | 6.08% | 5.96% | 5.87% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.62% | 43.96% | 44.31% | 45.74% | 45.84% | 44.89% | 44.34% | 44.19% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cedar Rapids, IA · Charter 65606 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.53%
Rank 1,578 of 1,683
Net Interest Margin
4.58%
Rank 288 of 1,683
Efficiency Ratio
110.27%
Rank 1,613 of 1,682
Equity / Assets
5.86%
Rank 1,671 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.53% | 0.35% | 0.74% | 1.18% | Beats 6% | 1,578 / 1,683 | ||
| Return on Equity | -8.99% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,615 / 1,681 | ||
| Net Interest Margin | 4.58% | 3.31% | 3.82% | 4.32% | Beats 83% | 288 / 1,683 | ||
| Efficiency Ratio | 110.27% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,613 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.04% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,556 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.86% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,671 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.86% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,671 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.19% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,420 / 1,683 | ||
| Loans / Assets | 41.15% | 44.71% | 59.18% | 70.72% | 21st pctl | 1,334 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||