Iron County Community Credit Union
Hurley, WI·Charter 66503·cu:66503·Credit union RBC / net worth
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Iron County Community Credit Union
2 of 24 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Return on assets rising while the peer median fallsStrength: Earnings3.25%peers 0.72%+253 bps
Iron County Community Credit Union's annualized return on assets rose 226 bps over the past year to 3.25%. Among 2470 similar credit unions, the median fell 12 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 3.25% | 0.72% | +253 bps |
| 12-month change | ||
| +226 bps | -12 bps | +237 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Iron County Community Credit Union itself is left out of every peer median and percentile. How signals work
Reliance on share certificates falling while the peer median holds steadyNotable: Funding9.7%peers 12.7%-3.1 pp
Iron County Community Credit Union's certificates' share of shares fell 4.6 percentage points over the past year to 9.7%. Among 2470 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Certificates' share of shares | ||
| 9.7% | 12.7% | -3.1 pp |
| 12-month change | ||
| -4.6 pp | 0.0 pp | -4.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Iron County Community Credit Union itself is left out of every peer median and percentile. How signals work
Where Iron County Community Credit Union differs most from peers
Efficiency ratio among the lowest of similar credit unionsContext: Efficiency56.7%peers 79.8%-23.0 pp
Iron County Community Credit Union's efficiency ratio was 56.7%, compared with a median of 79.8% among 2461 similar credit unions: lower than 90% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 56.7% | 79.8% | -23.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Iron County Community Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Iron County Community Credit Union is a state-chartered credit union headquartered in Hurley, Wisconsin. It reported $47.4 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $37.6 million, up 1.4% from a year earlier, and loans totaled $32.1 million, up 0.2%.
- Its net interest margin on average assets was 4.78% and its annualized return on assets was 3.25% for the quarter.
- Its cost of all shares and deposits was 0.50%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 3,815 members, down 0.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Iron County Community Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Iron County Community Credit Union · Credit union
- NCUA charter
- 66503
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Iron County Community Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $386.29K | |
| $616.38K | |
| $47.93K | |
| $568.45K | |
| $108.39K | |
| $383.91K | |
| -$93.4K | |
| -$93.36K | |
| 3.25% | |
| 4.78% | |
| 56.72% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.