CEDAR FALLS COMMUNITY
Charter #65565 · Cedar Falls, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.19% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.40% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.37% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.91% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 74th — a 23-point gap showing why the peer definition matters.
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 | CEDAR FALLS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $242.68M | 62th pct | 64th pct |
| Members | 8,868 | 23th pct | 33th pct |
| Net worth ratio | 16.19% | 90th pct | 89th pct |
| Return on average assets | 1.40% | 86th pct | 80th pct |
| Net interest margin | 3.34% | 31th pct | 28th pct |
| Cost of funds | 2.37% | 95th pct | 82th pct |
| Loan-to-share | 96.65% | 97th pct | 82th pct |
| Delinquency 60+ days | 0.76% | 62th pct | 69th pct |
| Net charge-off ratio | 0.37% | 51th pct | 74th pct |
| Loan growth YoY | 8.67% | 96th pct | 95th pct |
| Share growth YoY | 6.21% | 82th pct | 75th pct |
| Efficiency ratio | 49.91% | 2th pct | 2th pct |
structural peer set hash: 207df05c3c1100755b86c6ecc48a8888… (reproducible)
Closest structural peers
This is the free public view
Claim CEDAR FALLS COMMUNITY
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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.