Fort Dodge, IA · Charter 66592
NCUA · 8 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
84
Asset Quality
47
Profitability
84
Liquidity
48
Efficiency
84
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.
Fort Dodge, IA · Charter 66592
NCUA · 8 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 | 1.77% | 1.41% | 1.45% | 1.29% | 1.61% | 1.53% | 1.74% | 1.69% | +40 bps | |
| Return on Equity | 9.31% | 7.50% | 7.91% | 7.01% | 8.50% | 8.21% | 9.27% | 8.81% | +181 bps | |
| Net Interest Margin | 5.04% | 5.01% | 4.96% | 4.96% | 5.02% | 4.90% | 4.76% | 4.80% | -16 bps | |
| Efficiency Ratio | 62.30% | 66.28% | 65.44% | 65.97% | 63.51% | 64.57% | 64.10% | 64.10% | -187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.60% | 3.38% | 4.27% | 5.43% | 7.96% | 9.44% | 6.89% | 5.40% | -2 bps | |
| Loan Growth (YoY) | -7.44% | -7.07% | -3.14% | 1.93% | 5.60% | 4.71% | -0.64% | -4.98% | -691 bps | |
| Share Growth (YoY) | -0.17% | 3.03% | 3.37% | 4.83% | 7.54% | 9.96% | 6.63% | 4.20% | -63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.83% | 0.70% | 0.73% | 0.67% | 0.64% | 0.77% | 0.73% | 0 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 | 19.01% | 18.77% | 18.32% | 18.35% | 18.91% | 18.68% | 18.74% | 19.14% | +80 bps | |
| Net Worth / Assets | 19.01% | 18.77% | 18.32% | 18.35% | 18.91% | 18.68% | 18.74% | 19.14% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.49% | 90.02% | 87.84% | 88.96% | 90.83% | 85.73% | 81.85% | 81.13% | -784 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fort Dodge, IA · Charter 66592 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.69%
Rank 170 of 1,683
Net Interest Margin
4.80%
Rank 205 of 1,683
Efficiency Ratio
64.11%
Rank 268 of 1,682
Equity / Assets
19.14%
Rank 265 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.35% | 0.74% | 1.18% | Beats 90% | 170 / 1,683 | ||
| Return on Equity | 8.81% | 2.67% | 5.89% | 8.74% | Beats 75% | 416 / 1,681 | ||
| Net Interest Margin | 4.80% | 3.31% | 3.82% | 4.32% | Beats 88% | 205 / 1,683 | ||
| Efficiency Ratio | 64.11% | 68.91% | 78.20% | 86.93% | Beats 84% | 268 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 47% | 899 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.14% | 10.44% | 12.89% | 16.53% | Beats 84% | 265 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.14% | 10.44% | 12.89% | 16.53% | Beats 84% | 265 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.13% | 52.61% | 69.38% | 83.50% | 71st pctl | 482 / 1,683 | ||
| Loans / Assets | 64.59% | 44.71% | 59.18% | 70.72% | 62nd pctl | 642 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||