Greater Iowa Credit Union Ames, Iowa
Greater Iowa Credit Union is a state-chartered credit union headquartered in Ames, IA, established in 1932 (NCUA charter 64203), and it is regulated and insured by the NCUA. At Q2 2026 it reported 38,111 members and total assets of $715.1M (up 5.5% from Q2 2025), the 10th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 9.69% at Q2 2026, in the well capitalized band.
Also written as Greater Iowa CU · Trade names filed with the NCUA: GiveIowa, Greater Iowa, Greater Iowa Fresh Start Checking, Greater Iowa Basic Blue Checking, Land-A-Grand Scholarship and Greater Checking
BankRegReports is independent of Greater Iowa Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64203
- Headquarters
- Ames, IA
- Established
- 1932
- Total assets, Q2 2026
- $715.1M
- Assets vs Q2 2025
- +5.5%
- Members, Q2 2026
- 38,111
- Net worth ratio, Q2 2026
- 9.69%
- Latest call report
- Q2 2026, NCUA 5300 · Greater Iowa Credit Union call report
- Asset rank in state
- 10th of 65 in Iowa
- Routing number
- 273972583
- Branches
- 10
It had the same number of members on June 30, 2025. Its net worth ratio was up 0.22 percentage points from 9.47% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $233.3M of $621.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.69% net worth ratio is below that band's 11.43% median.
Frequently asked about Greater Iowa Credit Union
How big is Greater Iowa Credit Union?
At Q2 2026 it reported total assets of $715.1M and 38,111 members.
Where is Greater Iowa Credit Union headquartered?
It is headquartered in Ames, IA, United States.
When was Greater Iowa Credit Union founded?
It was established in 1932, per NCUA records.
Is Greater Iowa Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64203): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Greater Iowa Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Greater Iowa Credit Union well capitalized?
Its net worth ratio was 9.69% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Greater Iowa Credit Union's delinquency ratio?
Its delinquency ratio was 0.96% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Greater Iowa Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 100.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Ames, IA 50010
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 64203
- RSSD ID
- 286895
- Members
- 38,111
- Potential members
- 855,632
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.69% | 11.43% | 23rd bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.07% | 0.81% | 65th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.34% | 7.02% | 83rd top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.62% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 71.60% | 76.55% | 66th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.30% | 1.24% | 45th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.96% | 0.68% | 34th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.92% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 100.66% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$715.1M total assets against $677.6M; $617.0M total shares and deposits against $598.0M; $621.1M total loans against $555.4M.
$67.4M net worth against $62.7M.
9.69% net worth ratio against 9.47%.
100.66% loan-to-share ratio against 92.88%.
0.96% delinquency ratio against 0.43%.
1.07% return on assets against 1.05%; 11.34% return on equity against 11.39%.
4.62% net interest margin against 4.28%.
38,111 members against 38,111.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.69% | 1.07% | 0.96% | 100.66% |
| March 31, 2026 | 9.54% | 0.47% | 0.88% | 95.19% |
| December 31, 2025 | 9.51% | 0.63% | 1.11% | 93.94% |
| September 30, 2025 | 9.52% | 0.70% | 0.97% | 95.35% |
| June 30, 2025 | 9.47% | 1.05% | 0.43% | 92.88% |
| March 31, 2025 | 9.34% | 0.38% | 0.37% | 89.45% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.