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Iowa Credit Union Performance
How the 66 credit unions based in Iowa are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Iowa's 66 credit unions serve 1,647,790 members and hold $35.39B in combined assets. The median Iowa credit union earned a 0.94% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Iowa credit unions was -0.47%, compared with -0.55% nationally. Median one-year asset growth was 3.15%, compared with 2.78% nationally. So far this year, one Iowa credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Iowa at a glance
Iowa vs. the United States
System totals are the sum of every credit union based in Iowa. The share column is Iowa's portion of the national figure.
| Measure | Iowa | United States | Iowa share |
|---|---|---|---|
| Credit unions | 66 | 4,335 | 1.5% |
| Members | 1,647,790 | 147,031,529 | 1.1% |
| Residents (population) | 3,241,488 | 340,110,988 | 1.0% |
| Total assets | $35.39B | $2,507.50B | 1.4% |
| Total loans | $27.86B | $1,744.86B | 1.6% |
| Total shares & deposits | $29.38B | $2,143.21B | 1.4% |
| Total net worth | $3.77B | $282.23B | 1.3% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Iowa credit unions report about 51 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Iowa credit unions serve members in other states, so it overstates true in-state penetration.)
The median Iowa credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Iowa CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.94% | 0.66% |
| Net worth ratio | 12.87% | 12.44% |
| Loan-to-share ratio | 78.56% | 67.86% |
| Delinquency ratio | 0.71% | 0.63% |
| Net charge-off ratio | 0.34% | 0.33% |
| Cost of funds | 1.17% | 1.05% |
| Member growth (1 yr) | -0.47% | -0.55% |
| Asset growth (1 yr) | 3.15% | 2.78% |
| Loan growth (1 yr) | 1.98% | 0.63% |
| Share growth (1 yr) | 2.72% | 2.36% |
| Net worth growth (1 yr) | 6.06% | 5.57% |
Trends over time
The median Iowa credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.92% · 0.72%
— Iowa ‑‑ U.S.
Net worth ratio 12.78% · 12.46%
— Iowa ‑‑ U.S.
Loan-to-share ratio 80.17% · 69.70%
— Iowa ‑‑ U.S.
Delinquency ratio 0.87% · 0.72%
— Iowa ‑‑ U.S.
Asset growth (1 yr) 3.20% · 3.26%
— Iowa ‑‑ U.S.
Member growth (1 yr) -0.14% · -0.52%
— Iowa ‑‑ U.S.
Iowa leaderboards
Largest by assets
- 1 University of Iowa Community Credit Union $11.19B
- 2 Veridian Credit Union $8.90B
- 3 Dupaco Community Credit Union $3.63B
- 4 Collins Community Credit Union $1.54B
- 5 Du Trac Community Credit Union $1.25B
- 6 Community 1st Credit Union $1.10B
- 7 Community Choice Credit Union $918.6M
- 8 Linn Area Credit Union $748.9M
- 9 Greater Iowa Credit Union $701.5M
- 10 Ascentra Credit Union $593.2M
Highest return on assets
- 1 Metco Credit Union 2.24%
- 2 Citizens Community Credit Union 1.80%
- 3 Veridian Credit Union 1.63%
- 4 Tradesmen Credit Union 1.55%
- 5 Community Choice Credit Union 1.51%
- 6 Cedar Falls Community Credit Union 1.45%
- 7 Employees Credit Union 1.45%
- 8 Des Moines Metro Credit Union 1.21%
- 9 Members Community Credit Union 1.17%
- 10 Power Co-Op Employees Credit Union 1.16%
Fastest-growing (organic)
- 1 Power Co-Op Employees Credit Union 13.15%
- 2 Cedar Falls Community Credit Union 11.31%
- 3 Premier Credit Union 11.24%
- 4 Employees Credit Union 8.86%
- 5 Veridian Credit Union 8.81%
- 6 River Valley Credit Union 7.55%
- 7 Citizens Community Credit Union 6.89%
- 8 Lennox Employees Credit Union 6.59%
- 9 Financial Plus Credit Union 6.20%
- 10 Tradesmen Credit Union 5.74%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Iowa that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.