POLK COUNTY

Charter #65039 | IA

<100M (2596 CUs) Micro
39 <100M in IA

POLK COUNTY has 7 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.10% above tier average
  • + Net Interest Margin 1.88% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 6.2% in tier
  • + AMR Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -4.4% YoY
  • - Net Charge-Off Rate: Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 653
-4.4% YoY-1.4% QoQ
 -2.0K 2,625
-2.2% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 18.1% in tier
Assets $5.6M
+2.7% YoY+3.0% QoQ
 $-24.3M $29.9M
+1.1% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Bottom 21.4% in tier
Loans $4.1M
+9.7% YoY+3.1% QoQ
 $-11.6M $15.8M
-2.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 30th in tier
Deposits $4.3M
+2.5% YoY+3.5% QoQ
 $-21.1M $25.5M
+0.4% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 20.5% in tier
ROA 1.8%
-12.3% YoY-7.5% QoQ
 +1.1% 0.7%
-731.4% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Top 13.0% in tier
NIM 5.8%
+6.7% YoY+0.0% QoQ
 +1.9% 3.9%
+3.8% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 5.3% in tier
Efficiency Ratio 65.0%
-0.0% YoY-0.2% QoQ
 -16.4% 81.4%
-2.4% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Bottom 21.8% in tier
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
 -1.5 1.5%
-2.0% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 96.1%
+7.0% YoY-0.3% QoQ
 +34.9% 61.2%
-3.0% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 6.4% in tier
AMR $12,960
+10.8% YoY+4.7% QoQ
 $-2K $14,627
-2.7% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 14.9%
+31.7% YoY-2.4% QoQ
 -9.5% 24.4%
+4.2% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (10 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
137
Net Interest Margin (NIM)
profitability
Value: 5.82%
Peer Avg: 3.93%
#137 of 2596 Top 5.2% in <100M tier
162
Loan-to-Share Ratio
balance_sheet
Value: 96.12%
Peer Avg: 61.23%
#162 of 2596 Top 6.2% in <100M tier
217
AMR Growth Rate
growth
Value: 10.78%
Peer Avg: 4.67%
#217 of 2596 Top 8.3% in <100M tier
289
Loan Growth Rate
growth
Value: 9.71%
Peer Avg: 59.01%
#289 of 2596 Top 11.1% in <100M tier
337
Return on Assets (ROA)
profitability
Value: 1.78%
Peer Avg: 0.68%
#337 of 2596 Top 12.9% in <100M tier
382
Net Worth Ratio
risk
Value: 22.78%
Peer Avg: 16.43%
#382 of 2596 Top 14.7% in <100M tier
568
Efficiency Ratio
profitability
Value: 65.03%
Peer Avg: 81.39%
#568 of 2596 Top 21.8% in <100M tier

Top Weaknesses (5 metrics)

2363
Net Charge-Off Rate
risk
Value: 1.46%
Peer Avg: 0.57%
#2363 of 2596 Bottom 9.0% in <100M tier
2126
Total Members
engagement
Value: 653
Peer Avg: 2,626
#2126 of 2596 Bottom 18.1% in <100M tier
2065
Total Deposits
balance_sheet
Value: $4.31M
Peer Avg: $25.45M
#2065 of 2596 Bottom 20.5% in <100M tier
2063
Member Growth Rate
growth
Value: -4.39%
Peer Avg: 14.92%
#2063 of 2596 Bottom 20.6% in <100M tier
2040
Total Assets
balance_sheet
Value: $5.59M
Peer Avg: $29.86M
#2040 of 2596 Bottom 21.5% in <100M tier