RANKING ·
Lowest efficiency ratio in Iowa
29 of 66 credit unions in Iowa that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Employees Credit Union | Estherville, IA | 42.7% | $203 million |
| 2 | Cedar Falls Community Credit Union | Cedar Falls, IA | 43.3% | $252 million |
| 3 | Veridian Credit Union | Waterloo, IA | 51.8% | $9.2 billion |
| 4 | Dupaco Community Credit Union | Dubuque, IA | 62.0% | $3.5 billion |
| 5 | Serve Credit Union | Des Moines, IA | 62.1% | $101 million |
| 6 | Citizens Community Credit Union | Fort Dodge, IA | 64.1% | $254 million |
| 7 | Advantage Credit Union | Newton, IA | 65.5% | $106 million |
| 8 | Members1st Community Credit Union | Marshalltown, IA | 67.0% | $311 million |
| 9 | Dutrac Community Credit Union | Dubuque, IA | 67.3% | $1.3 billion |
| 10 | River Valley Credit Union | Ames, IA | 68.3% | $119 million |
| 11 | Financial Plus Credit Union | West Des Moines, IA | 69.1% | $242 million |
| 12 | The Family Credit Union | Davenport, IA | 69.3% | $253 million |
| 13 | Aim Credit Union | Dubuque, IA | 69.9% | $201 million |
| 14 | North Star Community Credit Union | Cherokee, IA | 70.8% | $149 million |
| 15 | Greater Iowa Credit Union | Ames, IA | 71.6% | $715 million |
| 16 | Corda Credit Union | Cedar Rapids, IA | 72.8% | $776 million |
| 17 | Telco Triad Community Credit Union | Sioux City, IA | 73.2% | $160 million |
| 18 | Community Choice Credit Union | Johnston, IA | 73.4% | $923 million |
| 19 | 1st Gateway Credit Union | Camanche, IA | 73.7% | $171 million |
| 20 | Greenstate Credit Union | North Liberty, IA | 73.8% | $10.9 billion |
| 21 | North Iowa Community Credit Union | Mason City, IA | 74.2% | $128 million |
| 22 | Cent Credit Union | Mason City, IA | 74.4% | $166 million |
| 23 | Midland Credit Union | Urbandale, IA | 74.8% | $101 million |
| 24 | Community 1st Credit Union | Ottumwa, IA | 80.5% | $1.1 billion |
| 25 | Premier Credit Union | Des Moines, IA | 83.2% | $383 million |
| 26 | Ascentra Credit Union | Bettendorf, IA | 83.8% | $596 million |
| 27 | Affinity Credit Union | Des Moines, IA | 89.7% | $154 million |
| 28 | Collins Community Credit Union | Cedar Rapids, IA | 91.8% | $1.5 billion |
| 29 | First Federal Credit Union | Hiawatha, IA | 102.7% | $175 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings