Citizens Community

Fort Dodge, IA · 2 · Charter #66592 · www.citizenscu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$248.5M
99th percentile
Members
13,972
87th percentile
Total loans
$171.8M
98th percentile
Total shares
$200.4M
97th percentile

Profitability

Return on assets
2.27%
96th percentile
Net interest margin
4.90%
94th percentile
Efficiency ratio
55.47%
70th percentile
Non-interest income ratio
20.24%
65th percentile

Capital & Risk

Net worth ratio
18.68%
91th percentile
Delinquency rate
0.64%
55th percentile
Net charge-off rate
0.85%
14th percentile
Loan-to-share
85.73%
81th percentile

Growth

Member growth YoY
-0.15%
56th percentile
Asset growth YoY
9.44%
86th percentile
Loan growth YoY
4.71%
70th percentile
Share growth YoY
9.96%
87th percentile

Operations

Members / branch
1,747
15th percentile
Assets / member
$17,782
75th percentile
Field of membership penetration
2.05%
28th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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