Credit Union Safety Analysis
Is Citizens Community Credit Union Safe? Fort Dodge, Iowa
Based on its Q2 2026 NCUA 5300 call report, Citizens Community Credit Union has a net worth ratio of 19.14%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.73%, 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, Citizens Community Credit Union's net worth ratio is 19.14%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.14%
- Delinquency ratio (60+ days) (Q2 2026): 0.73%
- Return on assets (Q2 2026): 1.64%
- Loan-to-share ratio (Q2 2026): 81.13%
Citizens Community Credit Union (NCUA charter 66592, established 1940) reported $253.6M in assets and 14,050 members for Q2 2026 from Fort Dodge, Iowa. It ranks 14 of 65 credit unions in Iowa by total assets. Total assets grew 5.4% from $240.6M on June 30, 2025. It has 84 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.79 percentage points from 18.35% on June 30, 2025. Used vehicle loans are its largest loan category, $141.3M of $163.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.73% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 18.74% for Q1 2026; 18.35% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.77% for Q1 2026; 0.73% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.74% for Q1 2026; 1.14% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 81.85% for Q1 2026; 88.96% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $141.3M
- Other secured non-real estate loans and lines of credit: $8.8M
- Other unsecured loans and lines of credit: $5.0M
- New vehicle loans: $4.4M
- 1- to 4-family residential and other consumer real estate loans: $4.1M
- Unsecured credit card loans: $343K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $253.6M | 19.14% | 0.73% | 1.64% | 81.13% |
| March 31, 2026 | $253.6M | 18.74% | 0.77% | 1.74% | 81.85% |
| December 31, 2025 | $248.5M | 18.68% | 0.64% | 1.46% | 85.73% |
| September 30, 2025 | $240.7M | 18.91% | 0.67% | 2.25% | 90.83% |
| June 30, 2025 | $240.6M | 18.35% | 0.73% | 1.14% | 88.96% |
| March 31, 2025 | $237.2M | 18.32% | 0.70% | 1.45% | 87.84% |
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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.
Citizens Community Credit Union profile
Regulator records: NCUA credit union profile (charter 66592) · FFIEC NIC profile (RSSD 329699)
Frequently asked questions
Is Citizens Community Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Citizens Community Credit Union's net worth ratio is 19.14%, above the 7% NCUA threshold for well capitalized.
Is Citizens Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Citizens Community Credit Union is a federally insured credit union (NCUA charter 66592): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Citizens Community Credit Union's key safety ratios?
For Q2 2026, Citizens Community Credit Union reports net worth 19.14%, delinquency 0.73%, ROA 1.64%, loan-to-share 81.13%.
What happens to my money if Citizens Community Credit Union fails?
For Q2 2026, Citizens Community Credit Union held $201.9M in shares and deposits for 14,050 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.