Waterloo Firemen's

Waterloo, IA · 2 · Charter #65193
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.8M
16th percentile
Members
321
11th percentile
Total loans
$2.1M
23th percentile
Total shares
$2.4M
18th percentile

Profitability

Return on assets
1.02%
60th percentile
Net interest margin
2.91%
17th percentile
Efficiency ratio
38.64%
93th percentile
Non-interest income ratio
0.09%
6th percentile

Capital & Risk

Net worth ratio
12.81%
36th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.01%
92th percentile
Loan-to-share
85.45%
83th percentile

Growth

Member growth YoY
-2.43%
39th percentile
Asset growth YoY
-1.06%
35th percentile
Loan growth YoY
-2.77%
51th percentile
Share growth YoY
-1.12%
40th percentile

Operations

Members / branch
321
14th percentile
Assets / member
$8,700
46th percentile
Field of membership penetration
80.25%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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