GREATER IOWA

Charter #64203 | IA

500M-750M (169 CUs) Community (281 CUs)
3 500M-750M in IA

GREATER IOWA has 6 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 13.8% in tier
  • + Organic Growth Engine: Top 22.8% in tier
  • + Wallet Share Momentum: Top 28.1% in tier
  • + ROA 0.05% above tier average
  • + Net Interest Margin 0.86% above tier average
  • + Total Loans: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 8.3% in tier
  • - Credit Quality Pressure: Bottom 9.2% in tier
  • - Indirect Auto Dependency: Bottom 10.8% in tier
  • - Liquidity Strain: Bottom 13.6% in tier
  • - Efficiency ratio 0.76% above tier (higher cost structure)
  • - Delinquency rate 0.17% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 38,530
+3.3% YoY+1.1% QoQ
 -1.2K 39,752
-2.7% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 53rd in tier
Assets $675.4M
+5.8% YoY-0.3% QoQ
 +$53.1M $622.4M
+0.3% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 70th in tier
Loans $566.2M
+6.5% YoY+1.9% QoQ
 +$130.3M $435.9M
-0.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Top 8.3% in tier
Deposits $593.8M
+5.5% YoY-0.7% QoQ
 +$55.8M $538.0M
+1.3% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 24.3% in tier
ROA 0.7%
+55.8% YoY-0.9% QoQ
 +0.0% 0.7%
+33.9% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 56th in tier
NIM 4.3%
+26.5% YoY+2.4% QoQ
 +0.9% 3.4%
+8.6% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 7.7% in tier
Efficiency Ratio 78.9%
-2.3% YoY-1.0% QoQ
 +0.8% 78.1%
-3.4% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 1.0%
+54.1% YoY+127.6% QoQ
 +0.2 0.8%
-4.9% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 72nd in tier
Loan To Share 95.4%
+0.9% YoY+2.7% QoQ
 +14.3% 81.0%
-1.8% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 15.4% in tier
AMR $30,108
+2.6% YoY-0.5% QoQ
 +$4K $26,482
+2.6% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 Top 23.1% in tier
CD Concentration 27.4%
+4.8% YoY+4.5% QoQ
 +2.9% 24.4%
+4.2% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 62nd in tier
Indirect Auto % 35.2%
-10.2% YoY-2.9% QoQ
 +21.2% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 Top 12.4% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#380 of 1006 • Top 13.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.60%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#419 of 603 • Top 22.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.31%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.71%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 35.19%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#774 of 1006 • Top 28.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.60%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Growth-at-Risk

risk
#126 of 446 • Bottom 8.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.51%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#228 of 736 • Bottom 9.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#175 of 525 • Bottom 10.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.75%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 35.19%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.31%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Strain

risk
#106 of 258 • Bottom 13.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 95.35%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.51%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

13
Net Interest Margin (NIM)
profitability
Value: 4.29%
Peer Avg: 3.43%
#13 of 169 Top 7.1% in 500M-750M tier
14
Total Loans
balance_sheet
Value: $566.22M
Peer Avg: $435.95M
#14 of 169 Top 7.7% in 500M-750M tier
26
Loan-to-Share Ratio
balance_sheet
Value: 95.35%
Peer Avg: 81.02%
#26 of 169 Top 14.8% in 500M-750M tier
30
Loan-to-Member Ratio (LMR)
engagement
Value: $14,695
Peer Avg: $11,805
#30 of 169 Top 17.2% in 500M-750M tier
34
Member Growth Rate
growth
Value: 3.31%
Peer Avg: 1.75%
#34 of 169 Top 19.5% in 500M-750M tier
39
Average Member Relationship (AMR)
engagement
Value: $30,108
Peer Avg: $26,482
#39 of 169 Top 22.5% in 500M-750M tier
41
Total Deposits
balance_sheet
Value: $593.83M
Peer Avg: $538.02M
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (1 metrics)

146
Indirect Auto Concentration (%)
balance_sheet
Value: 35.19%
Peer Avg: 16.19%
#146 of 169 Bottom 14.2% in 500M-750M tier