State credit union · Cedar Falls, Iowa · NCUA charter #65565
Cedar Falls Community
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $233.9M
- Total assets
- 8,817
- Members
- 16.2%
- Net-worth ratio
Cedar Falls Community scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $233.9M; members 8,817; net-worth ratio 16.19%; health rank #1,055 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,055 of 4,374 health · 2025Q4Cedar Falls Community · health 90/100 · $233.9M · 2025Q4
- ASSETS 90/100
- MEM 16.2%
- RANK 0.82%
- PHOTO 1.42%
- BOOK $233.9M
- CHARTER 8,817
- NCUSIF #1,055/4,374
- CAMELS UNIVERSITY
- HEALTH 65565
Call Report peers
Cedar Falls Community in the assets neighbourhood
Cedar Falls Community's $233.9M assets sit next to UNIVERSITY ($234.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cedar Falls Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cedar Falls Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65565, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Cedar Falls Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 96.89% here, 72.20% peer average (+24.69 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cedar Falls Community: in-state Call Report ranks
- Iowa health ordinal: #17 of 66.
- By total assets, Cedar Falls Community is #15 of 66 in Iowa.
- Membership ranks #25 of 66 among Iowa CUs with a reported count (8,817 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cedar Falls Community Call Report trajectory
Cedar Falls Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $233.9M (2025Q4) to $242.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (16.44% → 16.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.19% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 12.2 pts
Call Report ratios for Cedar Falls Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.19% | +4.08 pp |
| Delinquency Rate | 0.82% | -0.07 pp |
| Return on Assets | 1.42% | +0.80 pp |
| Member Growth | 1.71% | - |
| Loan-to-Share Ratio | 96.89% | +24.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Cedar Falls Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $242.7M | - |
| 2025Q4 | $233.9M | 8,817 |
| 2024Q4 | $211.8M | 8,669 |
| 2023Q4 | $192.1M | 8,775 |
Credit Union Details
- Charter Number
- 65565
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Cedar Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Cedar Falls Community, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Cedar Falls, IA |
| Industrial Park | Cedar Falls, IA |
| Evansdale Branch | Evansdale, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Cedar Falls Community nationwide neighbourhoods
Cedar Falls Community's nationwide photo peers by assets and by health score, excluding Iowa charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($233.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Cedar Falls Community ranks #1,055 of 4,374 nationally on financial health and #17 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Plus
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cedar Falls Community financially healthy?
A 16.19% net worth ratio and a 0.82% delinquency rate feed into Cedar Falls Community's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,055 of 4,374; by total assets it ranks #1,185 of 4,374 nationally (same basis as /rankings/largest); and #15 of 66 within Iowa. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cedar Falls Community compare to other credit unions?
90/100 is Cedar Falls Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cedar Falls Community?
Membership eligibility for Cedar Falls Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cedar Falls Community directly for current membership requirements and application steps.
Is my money safe at Cedar Falls Community?
Federal credit unions like Cedar Falls Community are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cedar Falls Community's net worth ratio of 16.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cedar Falls Community offer compared to banks?
Credit unions like Cedar Falls Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cedar Falls Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.