POLK COUNTY
Charter #65039 · DES MOINES, IA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 3.60% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.53% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.44% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 47.93% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | POLK COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.50M | 66th pct | 54th pct |
| Members | 650 | 55th pct | 31th pct |
| Net worth ratio | 23.26% | 70th pct | 61th pct |
| Return on average assets | 3.60% | 97th pct | 97th pct |
| Net interest margin | 6.53% | 94th pct | 95th pct |
| Cost of funds | 1.21% | 72th pct | 48th pct |
| Loan-to-share | 97.00% | 92th pct | 82th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.44% | 81th pct | 75th pct |
| Loan growth YoY | -1.38% | 68th pct | 64th pct |
| Share growth YoY | -2.27% | 32th pct | 21th pct |
| Efficiency ratio | 47.93% | 8th pct | 7th pct |
structural peer set hash: fce7dabf14d0e98e9252f7d0113916b9… (reproducible)
Closest structural peers
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Claim POLK COUNTY
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.