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
Call Report peers
Cedar Falls Community in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Cedar Falls Community sits in 90-94 with 747 others.
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
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).
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).
- One place up in Iowa, Capitol View (#16) ties at 90/100; one place down, Waterloo Firemen's (#18) ties at 90/100.
Cedar Falls Community Call Report trajectory
Cedar Falls Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $233.9M (2025Q4) to $242.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (16.44% → 16.19%).
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
Cedar Falls Community gives up 10 points in total. Member Growth costs the most, 4 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Cedar Falls Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Cedar Falls Community scores 90/100 (Excellent), with a 16.19% net worth ratio and 0.82% of loans delinquent. It ranks #1,055 of 4,374 nationally on health and #17 of 66 in Iowa.
How does Cedar Falls Community compare to other credit unions?
Cedar Falls Community scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (96.89% vs 72.20%).
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?
Cedar Falls Community is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.