Waterloo, IA · Charter 67831
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
82
Asset Quality
28
Profitability
51
Liquidity
87
Efficiency
36
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.
Waterloo, IA · Charter 67831
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 | 1.71% | 0.99% | -1.37% | -0.46% | 0.06% | 0.00% | 0.86% | 0.52% | +98 bps | |
| Return on Equity | 9.03% | 4.97% | -7.57% | -2.50% | 0.30% | 0.01% | 4.53% | 2.80% | +530 bps | |
| Net Interest Margin | 5.83% | 6.18% | 5.49% | 5.41% | 5.37% | 5.59% | 5.10% | 5.03% | -38 bps | |
| Efficiency Ratio | 74.39% | 86.19% | 121.99% | 107.50% | 99.08% | 91.82% | 83.42% | 82.40% | -2,510 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.29% | -6.92% | -1.92% | -1.86% | 1.62% | 3.89% | -2.20% | 1.17% | +304 bps | |
| Loan Growth (YoY) | -3.27% | -9.70% | -3.14% | -8.89% | -9.84% | -8.81% | -9.85% | -6.96% | +193 bps | |
| Share Growth (YoY) | -5.16% | -9.51% | -6.91% | -0.91% | 2.60% | 5.46% | 1.62% | -0.14% | +77 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 3.42% | 1.76% | 1.64% | 1.70% | 1.09% | 2.54% | 1.18% | -47 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 | 0.73% | 0.74% | 0.45% | 0.46% | 0.38% | 0.40% | 0.44% | 0.41% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.98% | 19.83% | 18.12% | 18.26% | 18.37% | 19.09% | 19.10% | 18.54% | +28 bps | |
| Net Worth / Assets | 18.98% | 19.83% | 18.12% | 18.26% | 18.37% | 19.09% | 19.10% | 18.54% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.83% | 78.40% | 76.55% | 70.07% | 68.39% | 67.79% | 67.91% | 65.28% | -479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Waterloo, IA · Charter 67831 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.53%
Rank 1,091 of 1,683
Net Interest Margin
5.01%
Rank 142 of 1,683
Efficiency Ratio
82.74%
Rank 1,071 of 1,682
Equity / Assets
18.53%
Rank 303 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 35% | 1,091 / 1,683 | ||
| Return on Equity | 2.86% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,232 / 1,681 | ||
| Net Interest Margin | 5.01% | 3.31% | 3.82% | 4.32% | Beats 92% | 142 / 1,683 | ||
| Efficiency Ratio | 82.74% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,071 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.16% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,206 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.53% | 10.44% | 12.89% | 16.53% | Beats 82% | 303 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.53% | 10.44% | 12.89% | 16.53% | Beats 82% | 303 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.27% | 52.61% | 69.38% | 83.50% | 42nd pctl | 973 / 1,683 | ||
| Loans / Assets | 52.89% | 44.71% | 59.18% | 70.72% | 39th pctl | 1,028 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||