North Iowa Community

MASON CITY, IA · 2 · Charter #64191 · WWW.NICCU.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
$124.3M
60th percentile
Members
11,376
76th percentile
Total loans
$109.7M
81th percentile
Total shares
$111.3M
63th percentile

Profitability

Return on assets
1.59%
81th percentile
Net interest margin
4.60%
90th percentile
Efficiency ratio
53.37%
77th percentile
Non-interest income ratio
12.45%
27th percentile

Capital & Risk

Net worth ratio
9.53%
18th percentile
Delinquency rate
0.93%
38th percentile
Net charge-off rate
0.29%
53th percentile
Loan-to-share
98.52%
94th percentile

Growth

Member growth YoY
1.46%
74th percentile
Asset growth YoY
5.18%
62th percentile
Loan growth YoY
5.19%
72th percentile
Share growth YoY
4.55%
61th percentile

Operations

Members / branch
5,688
87th percentile
Assets / member
$10,930
20th percentile
Field of membership penetration
8.53%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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