| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.9% | +0.9% | +0.0 pts |
| Loan growth (YoY) | +2.8% | -2.6% | +5.4 pts |
| ROA | 2.69% | 0.65% | +2.0 pts |
| ROE | 11.4% | 4.4% | +7.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $5.5M | $4.2M | $4.1M | $1.3M | $74K | 2.69% | 5.89% | 0.04% | 639 |
| Q1 2026 | $5.5M | $4.2M | $4.1M | $1.3M | $50K | 3.60% | 6.54% | 0.00% | 650 |
| Q4 2025 | $5.5M | $4.3M | $4.0M | $1.2M | $30K | 0.54% | 5.55% | 1.02% | 654 |
| Q3 2025 | $5.6M | $4.3M | $4.1M | $1.3M | $73K | 1.75% | 5.73% | 0.00% | 653 |
| Q2 2025 | $5.4M | $4.2M | $4.0M | $1.3M | $52K | 1.93% | 5.84% | 0.15% | 662 |
| Q1 2025 | $5.5M | $4.2M | $3.9M | $1.2M | $39K | 2.88% | 6.28% | 1.15% | 670 |
| Q4 2024 | $5.4M | $4.2M | $3.8M | $1.2M | $50K | 0.92% | 5.24% | 0.13% | 675 |
| Q3 2024 | $5.4M | $4.2M | $3.8M | $1.2M | $83K | 2.03% | 5.45% | 0.63% | 683 |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.69% | 0.65% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.89% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $5.4M | $4.2M | $3.8M | $1.2M | $58K | 2.12% | 5.52% | 0.14% | 684 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $100K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 80.6% | 8th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Polk County Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Polk, IA, ranked 59th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Polk, IA | 1 | $4.2M* | 0.01% | 59th |
Iowa: 330th with 0.00% · Des Moines-West Des Moines metro: 80th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1