Credit Union Safety Analysis
Is Saint Ludmilas Credit Union Safe? Cedar Rapids, Iowa
Based on its Q2 2026 NCUA 5300 call report, Saint Ludmilas Credit Union has a net worth ratio of 29.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.41%, 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, Saint Ludmilas Credit Union's net worth ratio is 29.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 29.62%
- Delinquency ratio (60+ days) (Q2 2026): 1.41%
- Return on assets (Q2 2026): 0.72%
- Loan-to-share ratio (Q2 2026): 75.80%
Saint Ludmilas Credit Union (NCUA charter 65062, established 1962) reported $372K in assets and 99 members for Q2 2026 from Cedar Rapids, Iowa. It ranks 65 of 65 credit unions in Iowa by total assets. Total assets grew 10.8% from $336K on June 30, 2025. It has 6 fewer members than on June 30, 2025 (-5.7%). Its net worth ratio was down 3.79 percentage points from 33.41% on June 30, 2025. Used vehicle loans are its largest loan category, $153K of $197K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.41% 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: 29.39% for Q1 2026; 33.41% 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%.
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: 1.69% for Q1 2026; 1.87% 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: 83.30% for Q1 2026; 118.35% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $153K
- Other secured non-real estate loans and lines of credit: $21K
- New vehicle loans: $21K
- Other unsecured loans and lines of credit: $3K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $372K | 29.62% | 1.41% | 0.72% | 75.80% |
| March 31, 2026 | $375K | 29.39% | — | 1.69% | 83.30% |
| December 31, 2025 | $373K | 29.56% | — | -2.35% | 80.58% |
| September 30, 2025 | $355K | 31.81% | 1.58% | 0.37% | 100.21% |
| June 30, 2025 | $336K | 33.41% | — | 1.87% | 118.35% |
| March 31, 2025 | $337K | 32.86% | — | 0.80% | 115.34% |
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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.
Saint Ludmilas Credit Union profile
Regulator records: NCUA credit union profile (charter 65062) · FFIEC NIC profile (RSSD 396495)
Frequently asked questions
Is Saint Ludmilas Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Saint Ludmilas Credit Union's net worth ratio is 29.62%, above the 7% NCUA threshold for well capitalized.
Is Saint Ludmilas Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Saint Ludmilas Credit Union is a federally insured credit union (NCUA charter 65062): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Saint Ludmilas Credit Union's key safety ratios?
For Q2 2026, Saint Ludmilas Credit Union reports net worth 29.62%, delinquency 1.41%, ROA 0.72%, loan-to-share 75.80%.
What happens to my money if Saint Ludmilas Credit Union fails?
For Q2 2026, Saint Ludmilas Credit Union held $260K in shares and deposits for 99 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.