Community 1st
Ottumwa, IA · Charter 68510 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
$1.1BAssets
$916.8MLoans
$981.5MShares
$116.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 88% of credit unions $1B-$10B in assets (rank 52 of 435).
- Widest gap: nonperforming loans / loans trails 98% of credit unions $1B-$10B in assets (rank 429 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |