Quaker Oats Employees Credit Union Cedar Rapids, Iowa
Quaker Oats Employees Credit Union is a state-chartered credit union headquartered in Cedar Rapids, IA, established in 1952 (NCUA charter 64991), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,280 members and total assets of $13.3M (up 5.7% from Q2 2025), the 50th largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 16.88% at Q2 2026, in the well capitalized band.
Also written as Quaker Oats Employees CU
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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
- 64991
- Headquarters
- Cedar Rapids, IA
- Established
- 1952
- Total assets, Q2 2026
- $13.3M
- Assets vs Q2 2025
- +5.7%
- Members, Q2 2026
- 1,280
- Net worth ratio, Q2 2026
- 16.88%
- Latest call report
- Q2 2026, NCUA 5300 · Quaker Oats Employees Credit Union call report
- Asset rank in state
- 50th of 65 in Iowa
- Routing number
- 273973168
- Branches
- 1
It has 34 fewer members than on June 30, 2025 (-2.6%). Its net worth ratio was up 0.39 percentage points from 16.49% on June 30, 2025. Used vehicle loans are its largest loan category, $1.9M of $5.5M in total loans on its June 30, 2026 filing.
Frequently asked about Quaker Oats Employees Credit Union
How big is Quaker Oats Employees Credit Union?
At Q2 2026 it reported total assets of $13.3M and 1,280 members.
Where is Quaker Oats Employees Credit Union headquartered?
It is headquartered in Cedar Rapids, IA, United States.
When was Quaker Oats Employees Credit Union founded?
It was established in 1952, per NCUA records.
Is Quaker Oats Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64991): 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 Quaker Oats Employees 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 Quaker Oats Employees Credit Union well capitalized?
Its net worth ratio was 16.88% 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 Quaker Oats Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 49.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Cedar Rapids, IA 52402
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 64991
- RSSD ID
- 265591
- Members
- 1,280
- Potential members
- 5,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.88% | 14.31% | 63rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.23% | 0.72% | 72nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.27% | 4.74% | 66th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.81% | 3.93% | 81st top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 76.74% | 79.83% | 57th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.27% | 0.78% | 82nd top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.08% | 4.70% | 65th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 49.69% | 58.92% | 36th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.3M total assets against $12.6M; $11.0M total shares and deposits against $10.4M; $5.5M total loans against $5.8M.
$2.2M net worth against $2.1M.
16.88% net worth ratio against 16.49%.
49.69% loan-to-share ratio against 55.35%.
1.23% return on assets against 1.35%; 7.27% return on equity against 8.18%.
4.81% net interest margin against 5.20%.
1,280 members against 1,314.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.88% | 1.23% | — | 49.69% |
| March 31, 2026 | 16.47% | 1.41% | — | 49.16% |
| December 31, 2025 | 16.68% | 1.28% | — | 54.32% |
| September 30, 2025 | 17.08% | 1.85% | — | 57.34% |
| June 30, 2025 | 16.49% | 1.35% | — | 55.35% |
| March 31, 2025 | 15.87% | 1.46% | — | 52.12% |
Scroll sideways to see every column.
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.