Credit Union Safety Analysis
Is Aegis Credit Union Safe? Clinton, Iowa
Based on its Q2 2026 NCUA 5300 call report, Aegis Credit Union has a net worth ratio of 17.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.83%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Aegis Credit Union's net worth ratio is 17.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.61%
- Delinquency ratio (60+ days) (Q2 2026): 1.83%
- Return on assets (Q2 2026): 1.79%
- Loan-to-share ratio (Q2 2026): 92.16%
Aegis Credit Union (NCUA charter 65521, established 1979) reported $27.3M in assets and 3,760 members for Q2 2026 from Clinton, Iowa. It ranks 48 of 65 credit unions in Iowa by total assets. Total assets grew 5.0% from $26.0M on June 30, 2025. It has 117 more members than on June 30, 2025 (+3.2%). Its net worth ratio was up 1.43 percentage points from 16.18% on June 30, 2025. Used vehicle loans are its largest loan category, $14.0M of $20.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.83% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.37% for Q1 2026; 16.18% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.10% for Q1 2026; 1.80% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.78% for Q1 2026; 1.64% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 83.84% for Q1 2026; 79.79% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $14.0M
- New vehicle loans: $3.0M
- Other secured non-real estate loans and lines of credit: $2.6M
- Other unsecured loans and lines of credit: $808K
- Unsecured credit card loans: $306K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $27.3M | 17.61% | 1.83% | 1.79% | 92.16% |
| March 31, 2026 | $27.2M | 17.37% | 2.10% | 1.78% | 83.84% |
| December 31, 2025 | $26.2M | 17.04% | 1.86% | 2.18% | 81.11% |
| September 30, 2025 | $26.4M | 16.45% | 1.13% | 2.82% | 81.31% |
| June 30, 2025 | $26.0M | 16.18% | 1.80% | 1.64% | 79.79% |
| March 31, 2025 | $26.5M | 15.82% | 1.62% | 2.04% | 76.87% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65521) · FFIEC NIC profile (RSSD 789396)
Frequently asked questions
Is Aegis Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Aegis Credit Union's net worth ratio is 17.61%, above the 7% NCUA threshold for well capitalized.
Is Aegis Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Aegis Credit Union is a federally insured credit union (NCUA charter 65521): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Aegis Credit Union's key safety ratios?
For Q2 2026, Aegis Credit Union reports net worth 17.61%, delinquency 1.83%, ROA 1.79%, loan-to-share 92.16%.
What happens to my money if Aegis Credit Union fails?
For Q2 2026, Aegis Credit Union held $22.5M in shares and deposits for 3,760 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.