WATERLOO FIREMEN'S

Charter #65193 | IA

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

WATERLOO FIREMEN'S has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.32% 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
  • + Efficiency Ratio: Top 5.0% in tier
  • + Net Charge-Off Rate: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Fee Income Per Member: Bottom 6.0% in tier
  • - Total Members: Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 322
-1.8% YoY0% QoQ
 -2.3K 2,625
-2.2% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 8.7% in tier
Assets $2.8M
+4.1% YoY-0.7% QoQ
 $-27.1M $29.9M
+1.1% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Bottom 12.5% in tier
Loans $2.1M
+3.8% YoY+4.5% QoQ
 $-13.7M $15.8M
-2.4% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Bottom 18.3% in tier
Deposits $2.4M
+3.7% YoY-1.4% QoQ
 $-23.0M $25.5M
+0.4% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 13.5% in tier
ROA 2.0%
-16.2% YoY+1.3% QoQ
 +1.3% 0.7%
-731.4% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Top 8.9% in tier
NIM 3.9%
+1.7% YoY+2.2% QoQ
 -0.0% 3.9%
+3.8% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 47.3%
+7.1% YoY+2.5% QoQ
 -34.0% 81.4%
-2.4% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Bottom 5.0% in tier
Delinquency Rate 0.0%
-100.0% YoY
 -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 87.2%
+0.1% YoY+6.0% QoQ
 +26.0% 61.2%
-3.0% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 14.1% in tier
AMR $14,111
+5.7% YoY+1.3% QoQ
 $-516 $14,627
-2.7% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 30.5%
+16.6% YoY-0.4% QoQ
 +6.1% 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 (9 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
130
Efficiency Ratio
profitability
Value: 47.34%
Peer Avg: 81.39%
#130 of 2596 Top 5.0% in <100M tier
200
Net Charge-Off Rate
risk
Value: -0.01%
Peer Avg: 0.57%
#200 of 2596 Top 7.7% in <100M tier
232
Return on Assets (ROA)
profitability
Value: 2.00%
Peer Avg: 0.68%
#232 of 2596 Top 8.9% in <100M tier
361
Loan-to-Share Ratio
balance_sheet
Value: 87.24%
Peer Avg: 61.23%
#361 of 2596 Top 13.9% in <100M tier
596
AMR Growth Rate
growth
Value: 5.66%
Peer Avg: 4.67%
#596 of 2596 Top 22.9% in <100M tier
629
Loan Growth Rate
growth
Value: 3.80%
Peer Avg: 59.01%
#629 of 2596 Top 24.2% in <100M tier

Top Weaknesses (6 metrics)

2442
Fee Income Per Member
profitability
Value: $0.36
Peer Avg: $182.96
#2442 of 2596 Bottom 6.0% in <100M tier
2371
Total Members
engagement
Value: 322
Peer Avg: 2,626
#2371 of 2596 Bottom 8.7% in <100M tier
2271
Total Assets
balance_sheet
Value: $2.80M
Peer Avg: $29.86M
#2271 of 2596 Bottom 12.6% in <100M tier
2246
Total Deposits
balance_sheet
Value: $2.43M
Peer Avg: $25.45M
#2246 of 2596 Bottom 13.5% in <100M tier
2169
Share Certificate Concentration (%)
balance_sheet
Value: 30.54%
Peer Avg: 15.37%
#2169 of 2596 Bottom 16.5% in <100M tier
2120
Total Loans
balance_sheet
Value: $2.12M
Peer Avg: $15.77M
#2120 of 2596 Bottom 18.4% in <100M tier