CITIZENS COMMUNITY
Charter #66592 · Fort Dodge, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.74% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.76% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.60% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 64.10% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 78th percentile but its structural peers at the 49th — a 29-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 | CITIZENS COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $253.56M | 64th pct | 84th pct |
| Members | 13,995 | 54th pct | 67th pct |
| Net worth ratio | 18.74% | 96th pct | 84th pct |
| Return on average assets | 1.76% | 93th pct | 87th pct |
| Net interest margin | 4.81% | 95th pct | 67th pct |
| Cost of funds | 0.60% | 22th pct | 21th pct |
| Loan-to-share | 81.85% | 73th pct | 66th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 48th pct |
| Net charge-off ratio | 0.70% | 78th pct | 49th pct |
| Loan growth YoY | -4.41% | 8th pct | 15th pct |
| Share growth YoY | 6.07% | 81th pct | 67th pct |
| Efficiency ratio | 64.10% | 14th pct | 25th pct |
structural peer set hash: 4adf42833edbc7948e9fc048dc1857fa… (reproducible)
Closest structural peers
This is the free public view
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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.