Ottumwa, IA · Charter 68510
NCUA · 24 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
2
Profitability
36
Liquidity
64
Efficiency
20
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.
Ottumwa, IA · Charter 68510
NCUA · 24 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 | 0.88% | 0.84% | 0.50% | 0.16% | 0.43% | 0.48% | 0.33% | 0.31% | +15 bps | |
| Return on Equity | 8.45% | 7.98% | 4.83% | 1.54% | 4.02% | 4.52% | 3.17% | 2.94% | +139 bps | |
| Net Interest Margin | 4.05% | 4.00% | 3.96% | 4.05% | 4.17% | 4.14% | 4.02% | 4.01% | -3 bps | |
| Efficiency Ratio | 74.93% | 76.48% | 82.98% | 82.46% | 80.14% | 79.10% | 77.16% | 78.81% | -365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.04% | 6.93% | 5.66% | 7.26% | 2.82% | 2.53% | 3.24% | 4.89% | -237 bps | |
| Loan Growth (YoY) | 10.24% | 13.07% | 13.20% | 9.94% | 6.28% | 3.47% | 2.40% | 1.45% | -848 bps | |
| Share Growth (YoY) | 5.58% | 6.94% | 5.39% | 7.57% | 2.68% | 1.96% | 3.08% | 4.96% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.49% | 1.60% | 2.77% | 2.93% | 3.52% | 3.27% | 3.14% | +37 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 | 10.42% | 10.50% | 10.39% | 10.44% | 10.79% | 10.73% | 10.49% | 10.50% | +6 bps | |
| Net Worth / Assets | 10.42% | 10.50% | 10.39% | 10.44% | 10.79% | 10.73% | 10.49% | 10.50% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.63% | 95.36% | 94.09% | 96.63% | 97.95% | 96.77% | 93.47% | 93.40% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ottumwa, IA · Charter 68510 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
0.31%
Rank 387 of 435
Net Interest Margin
4.01%
Rank 52 of 435
Efficiency Ratio
78.81%
Rank 348 of 435
Equity / Assets
10.50%
Rank 256 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.31% | 0.55% | 0.81% | 1.14% | Beats 11% | 387 / 435 | ||
| Return on Equity | 2.94% | 5.12% | 7.41% | 9.70% | Beats 10% | 390 / 435 | ||
| Net Interest Margin | 4.01% | 3.01% | 3.39% | 3.75% | Beats 88% | 52 / 435 | ||
| Efficiency Ratio | 78.81% | 65.25% | 71.39% | 77.86% | Beats 20% | 348 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.14% | 0.45% | 0.69% | 1.05% | Beats 2% | 429 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.50% | 9.81% | 10.84% | 12.63% | Beats 41% | 256 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.50% | 9.81% | 10.84% | 12.63% | Beats 41% | 256 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.40% | 78.33% | 88.38% | 95.61% | 67th pctl | 142 / 435 | ||
| Loans / Assets | 82.98% | 67.69% | 74.58% | 80.80% | 86th pctl | 63 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||